The bank's "fixed investment" business is an internationally accepted fund financing method similar to the bank's zero deposit and lump sum withdrawal, and it is a financing method of purchasing a certain fund product at the same time interval and the same amount. The biggest advantage of fixed investment is that it can average the investment cost, because the way of fixed investment is to buy a fixed amount of funds regularly no matter how the market fluctuates. When the net value of the fund rises, the number of stocks bought is small; When the net value of the fund goes down, buy more shares, that is, automatically form an investment method of lightening positions on rallies and overweight on dips.

In the long run, monthly diversification can reduce costs and risks, and make the investment cost close to the average cost invested by most investors. In this case, the long-term compound interest effect of time will be highlighted, which not only ensures the safety of funds, but also makes small money that you usually don't care about become "big money" after long-term accumulation.

For example, investors only invest in the fixed investment business of funds in 300 yuan every month. If the future average rate of return of the invested fund is 5%, after five years of investment, the total amount of funds available to investors will reach 20,427 yuan. Even if the cost reduction factor of deferred investment is not considered, its actual investment return rate will still reach 13%. In addition, the procedures for the fixed investment of the fund are also very convenient. At present, Industrial and Commercial Bank of China, Bank of Communications, China Construction Bank and Minsheng Bank have all started the fixed investment business of funds, and the entry threshold is low. For example, ICBC's fixed investment business requires a minimum monthly investment in 200 yuan.