The advantages of fixed investment fund are: the main advantages of fixed investment fund are simple procedures, time-saving and labor-saving, and investors can go through the formalities at one time in the agency of the fund; After handling the fixed investment of the fund, the funds will be automatically withheld at regular intervals, and investors only need to ensure that there are enough funds in the card; The key to investment is "buy low and sell high", which is difficult to grasp. In order to avoid subjective judgment errors, users who don't have much energy to diversify their investments can form regular investments, and don't change long-term investment decisions for short-term fluctuations. The disadvantage of the fixed investment fund is that the fixed investment of the fund cannot avoid risks (such as market risks). After all, fund investment fluctuates with market changes, and it is possible to go up and down. The full name of fixed investment fund is fixed investment fund, which means that at a fixed time, for example, on the 8th of each month, with a fixed amount, for example, every time 500 yuan invests in a designated open-end fund, the fixed investment fund is similar to the bank's deposit and withdrawal method. In the fixed investment of funds, what people usually call funds mainly refers to securities investment funds. Usually, funds have two investment methods, single investment and regular quota. Due to the low starting point and simple method of fixed investment, it is also called "small investment plan" or "lazy financial management". Compared with fixed investment, one-time investment may have high returns, but it also has risks. Because it avoids the influence of investors' subjective judgment on the timing of entry, the risk of fixed investment is significantly lower than that of stock investment or single fund investment. The fixed investment of the fund is similar to long-term savings, which can spread the investment cost evenly and reduce the overall risk. Because it has the function of automatic bargain-hunting plus code and bargain-hunting minus code, it can always get a lower average cost no matter how the market price changes. Therefore, the fixed investment of the fund can smooth the peaks and valleys of the net value of the fund, thus eliminating the volatility of the market. As long as the selected funds have an overall growth trend, investors will get relatively average returns without worrying about the timing of entering the market.