There are two ways to invest in the fund, namely, single investment and regular quota. Because of the low starting point and simple method, the fund is also called "small investment plan" or "lazy financial management"

"Compared with fixed investment, the one-time investment income may be high, but the risk is also great. 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. It has the function of automatic bargain-hunting plus code and bargain-hunting minus code. No matter how the market price changes, it can always get a lower average cost.

Therefore, regular fixed investment can smooth the peaks and valleys of fund net value and eliminate market fluctuations. As long as the selected funds grow as a whole, investors will get relatively average returns without worrying about the timing of entering the market.

Extended data:

1, processing method

If you have opened a fund account, you only need to bring your valid certificate and fund card/bank card to the designated agent network to sign a regular deduction agreement during the daily fund trading hours to stipulate the monthly deduction time and amount.

If a fund account has not been opened, you can apply for opening a fund account at the business outlets, and at the same time open regular quota business.

If there is no bank account, you must first open a bank account and deduct the subscription funds regularly. Account opening and subscription can be handled at the same time at the agency's outlets.

2. Minimum purchase amount

Different channels have different restrictions on the minimum amount of fixed investment. For example, the minimum monthly subscription amount for the fixed investment business of Postal Savings Bank is 100 yuan, and the minimum monthly subscription amount for the fixed investment business of Industrial and Commercial Bank of China is 200 yuan. The difference of additional investment must be an integer multiple of 100 yuan. The minimum monthly subscription amount of China Merchants Bank is 300 yuan.

Step 3 deduct time

The fixed investment period of the fund is usually one month, but the monthly deduction date agreed by different consignment channels is different. For example, the monthly deduction time of ICBC's fixed investment business is the first working day of each month, and the investment period is three years and five years. China Merchants Bank deducts money on the 8th of each month.

4. Responsible for calculation

For the fixed investment of different channels, the calculation of fund holding period is also different. Such as Industrial and Commercial Bank of China and China Merchants Bank, the holding time is calculated according to each investment, and customers can redeem it at any time before the fixed investment expires; The holding time of GF Securities is uniformly calculated from the first deduction, but customers cannot redeem it before the fixed investment contract expires.

Baidu Encyclopedia-Fund Fixed Investment