The fixed investment of the fund is especially suitable for five groups of people. First, the "moonlight clan" can "force" itself to save, because the fund has two functions of investment and saving; The second is "office workers", who are busy with work and have no time to take care of investment. The fund will vote for "lazy" financial management; The third is "happy family". Couples in their thirties should not only consider their children's education, but also plan for the elderly. They can use the fixed investment of the fund as a long-term financial management tool; The fourth is the "investor family". At present, the net value of funds in the market is already high, and direct purchase is very risky. Fixed monthly investment can reduce risks; Fifth, "depositors" have low interest rates. If inflation is taken into account, it is actually difficult to increase the value in banks, and the long-term risk of the fund's fixed investment is small, which has the function of saving. Automatic deduction of monthly fixed amount has the advantages of simple procedures, average cost, scattered risk and compound interest effect. However, there are several aspects that need attention, such as choosing the right fund products and grasping the profit opportunities. 1, set financial goals. Investment for 3 years or 5 years? 10 year? 2. Do your best. Regular fixed investment must be done easily and without burden. It is best to analyze your monthly income and expenditure and calculate the idle funds you can save. 3. Choose a market with an upward trend. An oversold market with good fundamentals is most suitable for starting a fixed investment. Even if the current market is at a low level, as long as you are optimistic about the long-term development in the future, you can consider starting to invest. 4. The investment period determines the investment target. The time compound interest effect of fixed investment and long-term investment disperses the short-term risk of short-term stock market and fund net value fluctuation. As long as the principle of long-term deduction can be observed, funds with large fluctuations can actually improve their returns, and funds with high risks should have better long-term returns than funds with low risks. If the long-term financial management goal is more than 5 years to 10 or 20 years, you may wish to choose a fund with large fluctuations, such as Guo Futianyi, Shanghai Investment Afafa, Shanghai Investment China Advantage, One Foundation Strategy, One Foundation Initiative, Guangfa Jufeng, etc. If the goal is within five years, it is best to choose a fund with stable performance. Guangfa is steady, Yiji is steady, and Nuoan equilibrium. 5. insist. Long-term investment is the most important principle of accumulating wealth regularly. This method must last for more than three years to get good results, and long-term investment can give full play to the compound interest effect of regular quota. 6. Grasp the timing of termination. The term of regular investment should also be determined according to market conditions. For example, after two years of investment, the market has risen to a very high point, and after analysis, the market may enter another short cycle, so it is best to cancel the contract first and get benefits. 7. Make good use of partial cancellation and convert funds in time. After starting regular fixed investment, if you have to cancel the contract for temporary redemption or the market is at a high point, you are not sure about the market outlook, and you don't have to completely cancel the contract, you can redeem some shares to obtain funds. If the market trend changes, you can switch to another round of rising prices and continue to make regular fixed investment. 8. Trust experts. When you start regular fixed investment, you don't have to care too much about short-term ups and downs and share accumulation, and you can consult experts if necessary. Before September 30, you can enjoy a 20% discount on the subscription rate by investing in the following fund products through ICBC. Guangfa Jufu Fund (fund code: 27000 1) Shenwan Paris Li Sheng Select Fund (fund code: 3 10308) Huaan MSCI China A-share Index Enhanced Fund (fund code: 040002) Guolian Desheng Steady Fund (fund code: 2550 10) saw steady growth in the south. Rongtong Shenzhen Stock Exchange 100 Index Fund Southern Baoyuan Bond Fund (fund code: 202 10 1) can open its own fund in ICBC online banking for fixed investment or handle it at the counter. Late August-the end of September is a good time to invest in funds. You can take advantage of preferential policies and enjoy the preferential subscription rate of 1.2%, and purchase it twice in August and September (the subscription rate will be restored to 1.5% after/kloc-0+0). Cancel the fixed investment after 1 October1. Note: After ICBC opens the fixed investment, the bank will automatically deduct the money on the working day of1-31(30th) every month, as long as the fund balance in your bank account is greater than your fixed investment amount. You can control the investment time by controlling the account balance. There are two grades: three-year fixed investment and five-year fixed investment. The dividend payment method is set to reinvestment, and you can choose back-end charges. Recommendation: Guangfa Jufu, Guangfa Steady, Rongtong Shenzhen Stock Exchange 100 Index Fund and ICBC Credit Suisse Core Value Fund actually set the time compound interest effect of long-term investment regularly, which dispersed the short-term risk of long-term stock market and fund net value fluctuation. As long as we can adhere to the principle of long-term deduction, choosing a fund with large fluctuations can really improve the income, and the long-term yield of a fund with high risk should be better than that with low risk. Therefore, if the long-term financial management goal is more than five years to ten or twenty years, it is advisable to choose a fund with large fluctuations, while if it is within five years, it is best to choose a fund with stable performance. I wish you a happy investment and a lot of gains.