Fixed investment fund is a good way of investment and financial management. Regular fixed investment of the fund is the fixed investment of the fund. It refers to the time, amount and method of deduction agreed by the investor in the relevant sales organization, and the sales organization automatically completes the deduction and fund subscription from the bank account designated by the investor 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. The income is higher because the magical effect of compound interest is at work. It is suggested to allocate 1 0,000 yuan to invest in 2-3 funds every month, and choose the funds with high ranking, stable long-term trend, strong profitability and high returns, and the annual return rate of long-term fixed investment is about 10%-20. If calculated according to the annual rate of return 15%, after 20 years 14 1372 1 yuan, the total capital will be more than 280,000 yuan, and after 30 years, it will be 599,483 yuan. Nearly 6 million. This is the magical function of compound interest.