First, the risk of buying in batches is small because of the uncertainty of the buying point. Xiao Wen believes that there are many, complicated and almost unpredictable factors that affect the securities market. Batch investment can balance costs and smooth market fluctuations with time. Second, portfolio investment, "portfolio" means that investors build a fund portfolio according to their own risk preferences. This includes the combination of new and old funds, the combination of different fund companies, the combination of different types of funds and the combination of different investment targets. The third is to "choose excellent funds and hold them for a long time". Practice shows that the top 20 open-end funds of the year can outperform the market index in the long run, and choosing these excellent funds and holding them for a long time is the only way to maximize the income. I think the fixed investment fund is good.