Bond is a valuable security. Because the interest of bonds is usually determined in advance, bonds are a kind of fixed-interest securities. At present, saving money in the bank or buying bonds is the main way for conservative investors or the elderly to invest. In the current era of low interest rates, putting money in the bank or buying bonds can no longer resist the pressure of inflation and rising prices. More and more investors begin to look for investment channels that can keep money from depreciating through investment funds or fixed investment funds. This is a manifestation of the progress of the times. Of course, investment is risky. High returns are accompanied by high risks. The key is how to increase returns and reduce risks through investment. This is a better investment and financial management method for ordinary investors and office workers-the fund will be fixed. Regular fixed investment of the fund is the fixed investment of the fund. Fixed fund investment refers to the time, amount and method of deduction agreed by investors in relevant sales organizations, and the sales organizations automatically complete the deduction and fund subscription from the bank account designated by investors on the agreed deduction date. Because the amount of investment in this way is generally small, investors can let the money run automatically for a long time through an agreement, so it is also called lazy investment method. The fixed investment of the fund does not increase the economic burden, and the monthly deduction is automatic, which has the effect of compulsory savings, accumulates funds for investors, and can obtain compound interest income for a long time. Fixed investment can effectively diversify investment risks. When the net value of the fund rises, the fund shares bought are less, and when the net value of the fund falls, the fund shares bought are more. In the long run, it can effectively reduce the investment cost, and investors don't have to work hard to choose the right investment opportunity. Therefore, for ordinary investors and office workers, fixed investment is a better investment and financial management method. Long-term investment has almost zero risk. Higher income. The compound interest is higher and the return on investment is definitely higher. In addition, if you choose the right time to buy a better fund, the risk will be relatively small and the income will be higher. Last year, when the stock market fluctuated, there were funds such as Chinese businessmen's prosperous growth, with an annual rate of return as high as 40%, and the investment bond 10 could not be reached because the money was constantly depreciating.