First, the fund's fixed investment income cannot be said to be very sure. Different funds have different market returns. Fixed investment is suitable for index and equity funds, and the annual rate of return of fixed investment is generally around 15%. Take index funds as an example. If the fund invests 100 yuan every month and the average annual return rate is 15%, the total investment and income will reach 27,000 after 10, 20 years later150,000, and 35 years later146,000.

Second, the fund related content:

1. Generally speaking, there are two ways of fund investment, single investment and regular quota. Due to the low starting point and simple method of the fund's "fixed investment", which is also called "small investment plan" or "lazy financial management", 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.

2. The regular investment of the fund is similar to long-term savings, which can spread the investment cost equally and reduce the overall risk. It has the function of automatically increasing the price and reducing the price on dips. No matter how the market price changes, it can always get a relatively low average cost. Therefore, regular fixed investment can smooth the peaks and valleys of the fund's 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. It is difficult for ordinary investors to grasp the right investment opportunity in time, and they often buy at the high point of the market and sell at the low point of the market. However, the fixed investment mode of the fund is adopted. No matter how the market fluctuates, the fixed investment fund will be fixed for one day every month, and the bank will automatically deduct the money, and automatically calculate the number of fund shares that can be purchased according to the net value of the fund. In this way, investors buy funds on schedule, and the investment cost is relatively average.

3. For example, if you invest 100 yuan in an open-end fund every two months, the number of shares you can buy each time is 100, 105.3, 165, 438+065, 438+065 and 438+0 respectively. If the cumulative share is 6 1 1.2, the average cost is 600÷6 1 1.2=0.982 yuan, and the return on investment is (1.1× 6/kloc. (Note: Fund investment is risky, and the past examples are for reference only, not as a hint or guarantee of fund investment return.