1, the ability to choose funds. Fixed investment is operated by a professional financial management team, which has strong fund selection ability and low possibility of loss; Direct buying requires a strong ability to choose funds and buy funds at the right time.

2. Investment risk. The investment risk of the fund's fixed investment is relatively low, and a professional financial management team will be responsible for timely stop loss; When buying directly, if the market is not good and investors fail to stop loss in time, there may be losses.

3. Return on investment. The investment return of the fund's fixed investment is relatively stable and has strong ability to resist market fluctuations; The return on investment of direct purchase is related to market conditions. When the situation is good, the rate of return may be higher, otherwise, there may be losses.

The fixed investment of the fund is to buy a fund according to the fixed investment every month, and automatically deduct the money every month. Buying and selling funds is a one-time transaction, and it is operated by itself. After the fixed investment is confirmed, just deposit the money into the account regularly, and the income is cumulative. There is great uncertainty whether the fund invests in stocks, and there are also changes in market value and net value during the closed period and the open period.

The risk of fund purchase is much higher than the fixed investment of the fund. Of course, the rate of return may also be much higher than the fixed investment, and the risk is directly proportional to the income.

How much should the fund invest each month?

How much you can spend each month to make a fixed investment depends on the investor's family assets.

If the monthly income is 1 1,000 yuan, but after deducting the living expenses and car loans, the balance is only 1 1,000 yuan, and 500 yuan is used as compulsory savings in this 1 1,000 yuan, then there is not much money to take out and the fund will make a fixed investment. If the monthly income is 5,000 yuan, but the living expenses are very small, there is no loan, the monthly balance is 3,000 yuan, and there is an emergency deposit (or monetary fund) on hand, then you can consider taking out 1000 yuan or more for fixed investment.

In addition, there are several points to note:

1, the money invested by the fund must be "idle money", and deducting this investment from the family living expenses will not have any adverse effects at all.

2. the money invested by the fund will not be used in the short term. Once the money is urgently needed, there will be no dilemma of redeeming the fund for emergency.

3, their own work is stable, and the monthly cash flow is positive and continuous. If they suddenly lose their jobs and their cash flow stagnates, they can also withdraw funds from their family contingency reserve arrangement to ensure the continuity of the fund's fixed investment.