Fixed-term fund is a kind of financial management business similar to bank deposit and withdrawal. The so-called "quota" means investing in the same open-end fund with a fixed amount (for example, 2,000 yuan) at regular intervals (for example, 25th of each month). The procedure for regular quota is very simple. As long as the investor and the fund company or fund agency agree to draw a fixed amount of investment funds from their accounts at a fixed time every month, there is no need for the investor to pay money in the bank every month. For example, if you decide to invest 20,000 yuan in a fund, you can invest 2,000 yuan per month, 10 month, or 1 0,000 yuan per month for 20 months according to the regular quota plan. Fixed-term fund investment has four characteristics. The first is the low starting point of investment. In many companies' "fixed investment plans", the subscription limit is only 100 yuan, which is not limited by a single subscription 1000 yuan. Second, many a mickle makes a mickle.

The third is automatic deduction, and the procedure is simple. Investors only need to go through the one-time formalities at the fund agency, and the application for deduction in each future period can be automatically processed. The fourth is to average investment and spread risks. Investors' funds are invested on schedule, and the input cost is relatively average, which maximizes risk dispersion. Generally speaking, regular investment requires a long investment period to reduce short-term market fluctuations and affect the return on investment. In addition, if investors can't stand the market decline in the short term or sell (redeem) because of other factors after purchasing the fund, they can't realize the original intention of "long-term average cost" of fixed investment. Therefore, this investment method is mainly suitable for some specific groups, including office workers with fixed wages, people with special capital needs at some time in the future, and those stable small and medium investors. Insiders pointed out that different stages of life will have different needs and goals. Generally speaking, students who are studying and young people who have just left society can be set as their own goals; Married couples can prepare for their children's education fund and pension. Basically, as long as investors can adhere to the principle of long-term investment and do not stop investing at a low point, investors can easily achieve their financial goals.