Misunderstanding 1: “Fixed investment” is suitable for all funds.

Although "fixed investment" can average costs and smooth risks, not all funds are suitable for "fixed investment". The expected annualized returns of currency and bond funds are generally relatively stable, and the difference between the effects of "fixed investment" and one-time investment is not too big. However, stock funds have larger fluctuations and are more suitable for "fixed investment".

Myth 2: "Fixed investment" requires long-term investment.

This is a commonly publicized strategy, but in the ongoing "bear market" situation, both one-time investment and "fixed investment" have time costs. The best time for "fixed investment" should be in the middle and late stages of market adjustment. It is a better investment form because it is not clear how long the later adjustment will take but the downside space is relatively limited. If you gradually accumulate chips in the relative bottom area to quickly smooth out costs, you will get better expected annualized returns when the market rebounds significantly.

Myth 3: "Fixed investment" can only be deducted once a month.

The "fixed investment" trading systems of various bank funds can all deduct fund funds on the trading day. It is not that they can only deduct funds once a month. From the perspective of the more scientific investment strategy of the fund "fixed investment" , it is better for investors to deduct funds 5 times a month, which can average costs and smooth risks.

Myth 4: If the amount of "fixed investment" is insufficient, normal deductions cannot be made, and the fixed investment becomes invalid.

Most investors believe that this is their own breach of contract, and the "fixed investment" will be invalid. In fact, most fund companies and banks stipulate that if the fund account balance is insufficient on the day of deduction, the system will automatically continue to deduct funds from the next day until the end of the month, and the shares will be calculated and confirmed based on the net value of the fund shares on the day of actual deduction. Therefore, it doesn’t matter if the deduction is unsuccessful that month. As long as you deposit money in your account as soon as possible, you can continue to participate in fixed investment.

Myth 5: After the fund for "fixed investment" is redeemed, the "fixed investment" automatically terminates.

In fact, even if the fund is fully redeemed, the previously signed investment contract is still valid. As long as there is sufficient amount in your bank card and other deduction conditions are met, the bank will still deduct funds regularly thereafter. Therefore, if a customer wants to cancel the fixed investment plan, in addition to redeeming the fund, he should also go to the sales outlet to fill out the "Regular Fixed Subscription Termination Application" and go through the procedures for terminating the fixed investment; he can also do this by not meeting the deduction requirements for three consecutive months. Automatically terminate fixed investment business.