The fixed investment of the fund is similar to that of the bank. The funds we are talking about now usually refer to securities investment funds. Novices bring their ID cards to securities companies to open Shanghai and Shenzhen trading accounts, handle bank transfer custody procedures, open online transactions, and deposit money into accounts to buy and sell any variety. There is no limit. The lowest purchase price of trading funds on the floor is 100, like 163503, which currently closes above 0.59 yuan. It's enough to spend more money on 100 in 60 yuan. Of course, if you are saving money, you can choose a fixed investment, ranging from 100-300 yuan. For example, Huaxia Bonus, Xingye Trend, Harvest 300 and Guo Fu Tianrui are all good fixed investment varieties. Just bring your ID card to the bank counter and someone will guide you. It is best to open online banking, make a fixed investment and make inquiries. Now you can learn about the most used fixed investment in the market. The concept is as follows. There are different opinions on the internet. The extract is as follows: Fixed-term fund business refers to an investment method in which investors buy fixed funds with fixed funds on a fixed date every month through fixed direct sales or consignment agencies, which is similar to the fund financing business of lump-sum deposit and withdrawal by banks.

Regular quota business has several advantages: First, the cost is shared equally. Because this investment method is to invest in a fixed amount, when the net value of the fund rises, the number of fund shares bought is less, and when the net value falls, the number of fund shares bought is more. In this way, "buy less when going up and buy more when going down" can effectively share low costs in the long run. Second, spread risks. This business model needs no judgment. Third, reduce the pressure and force savings. Investors invest by bank automatic transfer every month, which is generally not limited by the minimum investment. At the same time, a fixed monthly bank transfer can also enable investors to develop a compulsory saving function similar to zero deposit and withdrawal.

In the turbulent market, many investors turn to fixed investment. However, fund experts remind investors that fixed investment should also avoid risks, which requires a full understanding of the following four aspects of the fund's fixed investment:

First of all, the fixed investment of the fund needs to be planned, not the popular choice of fixed investment. As a result, problems such as liquidity appeared for a short time, and finally it had to be terminated. Not only can not achieve the purpose of the fund's fixed investment, but also caused a higher cost. In addition, it should be noted that the fixed investment of the fund is a long-term investment, so don't pay too much attention to the short-term performance of the fund, especially day trading.

Secondly, the fixed investment of the fund is also risky and there is no guarantee that it will not lose money. Although the fixed investment of the fund can smooth the market fluctuation in the long run, if the fixed investment time is short and coincides with the downward economic cycle, the fund may face the risk of loss.

Third, the fixed investment of the fund does not mean that the portfolio cannot be adjusted. Some investors believe that the fund is originally a portfolio, and there is no need to combine it, as long as the funds are concentrated and invested in a fund. This is actually a wrong idea. Generally speaking, every fund has a clear investment direction. For example, stock funds invest most of their funds in the stock market, bond funds invest in bonds, and money funds invest in short-term bills or interbank markets. Each kind of product is suitable for a kind of investors or the capital characteristics at a specific stage. If investors have a clear financial planning, they can combine these products to realize the overall financial planning.

Fourth, the fixed investment of the fund can also be converted. Fixed investment in the fund does not mean consistent investment in the fund, and investors can also convert the shares they buy. For example, during the economic boom, some partial stock funds are selected, and during the economic downturn, some bond funds are selected for conversion. This will bring benefits to the overall income.