Fixed investment is the abbreviation of fixed-term investment fund, which refers to investing in the same open-end fund with a fixed amount (such as 200 yuan) at a fixed time (such as 18 days per month), similar to the bank's zero deposit and withdrawal method. The fund's fixed investment is known as lazy financial management, and its value stems from a saying circulating on Wall Street: "It is more difficult to step on the market accurately than to catch a flying knife in the air." However, if we adopt the method of buying in batches, we can overcome the defects of buying and selling at one time and share the cost equally, so that we can be in a more favorable position in investment, that is, the fixed investment method. One of the optional financial management methods for young people to accumulate wealth (note: the fixed investment of the fund is only an investment method to spread the investment cost equally, so no matter whether you are long or short, you may lose money in theory, not to say that the fixed investment of the fund will definitely make money for a long time. The key factors to get better returns from fixed investment are: first, choose a better fund variety suitable for fixed investment (high average annual income and stable management); Secondly, the longer the investment is based on one, the better (because the power of compound interest takes a long time to be better reflected), so the fixed investment of the fund is also one of the optional financial management methods for young people or middle-aged people to raise future pensions. ?

Generally speaking, there are two ways to invest in a fund: single investment and fixed investment (that is, fixed investment). Because of the low starting point and simple method of fixed investment, the fund is also called "small investment plan" or "lazy financial management". Compared with fixed investment, one-time single investment may have high income, but it is also risky. 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 (but it is not savings, so there may be losses), which can share 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 largely eliminate market fluctuations.