Fixed investment in the fund means that investors regularly invest in the fund with a fixed amount, which is equivalent to the deposit and withdrawal of the bank. Investors can make fixed investment through bank counters or online banking, or through direct sales of fund companies or online transactions. Due to different channels, the transaction methods and fees of the fixed investment of the fund may be different. There are differences in the way of fixed investment. At present, there are two ways for investors to choose a fixed investment in the fund, one is a fixed investment, and the other is a fixed investment. At present, only the fixed investment of Industrial and Commercial Bank of China (60 1398 shares, market, information, main trading) can handle fixed-time fixed-investment business, and other banks, including fund companies, have fixed-time fixed-investment methods. Regular quota means that investors can specify the investment time (any working day per month) and amount, and the bank will deduct money at the investment time specified by investors, and the amount of deduction is the amount specified by investors. Fixed-term investment, such as ICBC's smart fixed investment, means that investors can specify the investment time (any working day every month) and the benchmark amount, and ICBC deducts money at the investment time specified by investors, and the deduction amount fluctuates on the basis of the benchmark amount according to the index selected by investors and the market situation of the moving average. Investors can choose a variety of indexes, and they can choose 30-day moving average or 180-day moving average to set them. In fact, because these two fixed investment methods are regular, the longer the investment time, the more principal will be invested. If the market plummets, the more losses it faces, so the potential risks will increase with the increase of the fixed investment amount. Even if the amount fluctuates according to the monthly moving average, it will not be able to resolve the larger systemic risks in the market. The fixed investment cost of fund companies is more favorable. Investors make fixed investment through banks, and the subscription rate is generally not favorable or the preferential range is not high. If investors make a fixed investment through ICBC, there is basically no preferential rate, and a subscription fee of 1.5% is charged. Through the Agricultural Bank of China, there can only be a 20% discount on the subscription rate of fixed investment. Investors can make a fixed investment through fund companies, and most subscription rates can be discounted by 40%, which is 0.6%. According to the simple interest calculation, if two investors, A and B, make a fixed investment in a stock fund of 1 000 yuan every month, investor A makes a fixed investment through ICBC's online banking, and investor B makes a fixed investment through the fund company's direct sales (or online trading), then A will deduct more 9 yuan than B every month. 10 years later, the same investment 120000 yuan, A deducted from B's subscription fee 1080 yuan. It may be more convenient to vote through the bank. Although there are no more preferential rates, banks have more fund products to choose from than fund companies, while fund companies can only sell their own funds. And there are many bank outlets, so some investors can directly choose the nearest bank outlet for fixed investment. In addition, it is more convenient for the fund to deduct money every month if it can be linked to its frequently used account (such as salary card account). However, through direct selling by fund companies, companies often require investors to have accounts in designated banks, which will increase some inconvenience. Investors need to choose the variety of fixed investment according to their own style, no matter which channel they invest in the fund. In fact, due to the different types of funds that investors choose to invest in, the risk-return characteristics they bear are not the same. The potential risk of fixed investment of partial stock funds will gradually increase with the accumulation of fixed investment wealth, so such investors should have high risk tolerance. Fixed investment in bond funds may be a good way to force savings for investors with low risk tolerance. Of course, investors can also combine the two in a certain proportion. Therefore, to make a fixed investment, we must first determine the appropriate fund type according to our own risk-return characteristics, and then compare the subscription rate, the fixed investment method and even the service attitude of the bank. Fixed investment also needs to be tracked and managed. Although every little makes a mickle, it can help investors get investment income easily and effortlessly, but it doesn't mean that investors can sit back and relax. Especially for the fixed investment of partial stock funds, investors should pay more attention to the market with longer fixed investment time. According to the calculation of Good Buy, if investors start investing in the index fund Hua 'an MSCI in early February, 2002, the return will be 152.27% if they end their investment at the peak of the market in June, 2007, and only 50.6 1% if they end their investment at the end of February, 2009, which is quite different. We suggest that investors should pay attention to the starting point of fixed investment when doing long-term partial stock funds. Investors should judge the economic cycle and end their fixed investment at a long-term relative high point in order to make a profit. (Securities Daily)/jj/200906/t20090617 _ 3350801.htm Index funds are the best choice for full-text investment. Index funds track the market index, and the net value fluctuates greatly. Fixed investment uses its fluctuation to share the investment cost and reduce the system risk. The current market is more suitable for investing in index funds, and the following suggestions are provided: 650. 2. Rongtong SZSE 100, Jiashi CSI 300, Guangfa CSI 300 and Yiji 50 are all good index funds. 3. Industrial, agricultural, construction, communications, China Merchants, Industrial Bank and other banks have good online banking, and the charges of Industrial Bank are good in all aspects. 4. It is strongly recommended to open online direct sales of fund companies, with a 60% discount on handling fees, and the follow-up business is relatively simple. Your suggestions are for reference only. Good luck with your investment.