Because college students have limited income and their studies are the first priority, they can choose an open-end fund with fixed investment. Expert financial management, long-term investment and study investment are all right. Fixed-term fund investment refers to a long-term investment method in which investors submit applications through the fund sales organization designated by the fund company to agree on the time and amount of monthly deduction, and the sales organization automatically completes the deduction and fund subscription application in the fund account designated by the investor on the agreed deduction date every month. This investment method is similar to the bank's zero deposit and lump sum withdrawal and monthly compulsory savings investment. As a long-term investment method, as long as there are enough funds in the monthly account to realize fixed deduction, investors can use the long-term average method to reduce costs regardless of market ups and downs, so it is also called "lazy investment method" or "fool investment technique". Automatic deduction of monthly fixed amount has the advantages of simple procedures, average cost, scattered risk and compound interest effect. However, there are several aspects that need attention, such as choosing the right fund products and grasping the profit opportunities. Here, I will systematically introduce the principle of regular quota for you. By following these eight basic principles, we can make better use of this method: 1, and set financial goals. You can deduct 300 or 500 regularly every month. Buy fewer shares when the net worth is high, and buy more shares when the net worth is low, which can spread the entry time. This "average cost method" is most suitable for raising retirement funds or children's education funds. 2. Do your best. Fixed investment must be done easily and without burden. A customer once decided to deduct 50,000 yuan per month to diversify the investment target, but after a period of time, he had to take out the fixed deposit to continue investing, which was too uneconomical. I suggest that you first analyze your monthly income and expenditure, and work out the idle funds that can be permanently saved, either in 300 yuan or 500 yuan. 3. Choose a market with an upward trend. An oversold market with good fundamentals is most suitable for starting regular fixed investment. Even if the current market is at a low level, as long as you are optimistic about the long-term development in the future, you can consider starting to invest. 4. The investment period determines the investment target. The time compound interest effect of fixed investment and long-term investment disperses the short-term risk of short-term stock market and fund net value fluctuation. As long as the principle of long-term deduction can be observed, funds with large fluctuations can actually improve their returns, and funds with high risks should have better long-term returns than funds with low risks. If the long-term financial management goal is more than 5 years to 10 or 20 years, you may wish to choose a fund with large fluctuations, while if it is within 5 years, it is best to choose a fund with stable performance. 5. insist. Long-term investment is the most important principle of accumulating wealth regularly. This method must last for more than three years to get good results, and long-term investment can give full play to the compound interest effect of regular quota. 6. Grasp the timing of termination. The term of regular investment should also be determined according to market conditions. For example, after two years of investment, the market has risen to a very high point, and after analysis, the market may enter another short cycle, so it is best to cancel the contract first and get benefits. If you are about to face capital needs, such as retirement age, you should pay more attention to the market situation and decide when to terminate the contract. 7. Make good use of partial cancellation and convert funds in time. After starting regular fixed investment, if you need to cancel the contract temporarily or the market is at a high point, you are not sure about the market outlook, you don't have to cancel the contract completely, and you can redeem some shares to obtain funds. If the market trend changes, you can switch to another round of rising prices and continue to make regular fixed investment. 8. Trust experts. When you start regular fixed investment, you don't have to care too much about short-term ups and downs and share accumulation, and you can consult experts if necessary. Follow-up: What is the minimum threshold? The subscription fee is quite high, right? Answer: The minimum investment is 100 yuan, and B/C bond funds do not charge subscription fees and redemption fees, such as E Fund Enhanced Bond B and Guo Fu Optimized Bond C, which are all good bond funds.