In fact, a fixed investment in a fund is the same as buying a fund. After choosing a good fund, it can be a one-time purchase or a fixed investment. There will be a fixed investment entrance next to the purchase. If not, it means that the fund has not started the fixed investment mode. For example, closed-end funds cannot be fixed. When you sell it, you can sell it once or in installments.

Several modes of fund fixed investment:

1 fixed quota, fixed quota, fixed quota

Investment amount.

2 Proportion of fixed investment, according to their own income, according to a certain proportion of income.

3 bargain-hunting positions, fixed investment. Buying when falling can reduce the cost of holding.

4 Stop profit and make a fixed investment, set the target point of stop profit, and stop profit in time when the income reaches this point. Fixed investment in a fund is to buy a certain fund on a regular basis, which can be a fixed amount or can be purchased manually every time. Simply put, it is a long-term allocation to buy a fund and hold it for more than 2 years, with the best effect. The risk of fixed investment of the fund is high, and the annualization can be set in the range of 12%- 18%. You can set your own profit-taking point based on this data.

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.

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 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.

Overall characteristics: it is difficult for ordinary investors to grasp the right investment opportunity in time, and they may often buy at market highs and sell at market lows. 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.

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+0 and 108 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. )