Fixed-term investment plan refers to a long-term investment method in which investors submit an application through a sales organization designated by a fund management company to agree on the time and amount of monthly deduction, and the designated sales organization automatically completes the deduction in the investor's designated fund account and the fund subscription application on the agreed deduction date every month. The fixed investment mode of the fund has become very popular overseas. In fact, it draws on the marketing model of insurance installment and long-term benefit, which is similar to the lump-sum deposit and withdrawal model of bank savings, except that investors will have investment income in addition to the principal. Fixed investment funds are also often called lazy financial management, fool financial management and small investment plans. ◆ What are the advantages of the fixed investment fund investment plan? 1. Small funds buy big funds, many a mickle makes a mickle. It has the effect of compulsory saving and investment. There are two ways to invest in the fund, single investment and regular quota. A single investment requires a lot of money at a time. For ordinary investors, it is not necessary to raise a large sum of money, but to invest with spare money beyond the necessary expenses of life every month, which will not cause additional economic burden, but also achieve the effect of compulsory savings and investment. 2. Dilute costs, spread risks and stabilize returns. The biggest feature of the fixed investment plan is to effectively avoid the risk of short-term market fluctuation by using the average cost investment concept of overweight on dips and lightening positions on dips, especially in view of the large fluctuation of China stock market, fixed investment actually has advantages. When investors buy funds, the time of entering the market will have a great impact on the rate of return, so individual investors need to analyze the market situation in advance and can bear higher risks. And regular fixed investment, because it is a small batch, can relatively reduce the price risk. The average cost method is to invest a fixed amount of investment products on a regular basis, to spread the investment time, to avoid hedging losses due to the utility of the average investment cost, and to avoid buying too many investment units at one time when the time is not ripe. Specifically, when the market is in an upward trend, the price of investment units is high, and the number of investment units bought at this time is small; When the market is in a downward trend, the unit price is low and the number of investment units bought is high. In this way, the total investment position consists of a large number of low-priced units and a small number of high-priced units. In this way, the average net value of each unit will be lower than that of a single investment, thus effectively reducing the lock-in risk. Because the trend of the economy and the stock market is on an upward track in the long run, once the capital market goes out of the downturn and rises, investors holding a large number of low-priced stocks will have a better return on investment. Therefore, the average cost method is used to diversify investment opportunities. As long as there is a chance for the market to rise in the future, no matter how long the downward trend lasts, investors need not worry about no return. (According to statistics, the average rate of return on long-term investment of international funds is 8%. 3. Lazy investment, easy financial management The stock market is changing rapidly. The general investing public may not have enough time to watch the market every day, nor do they have enough professional knowledge to analyze and judge the trend, so they often can't correctly grasp the market trend and suffer losses. At this time, it is a good choice to adopt the method of regular fixed investment. Let investors who can't find time to enter the market get professional-grade return on investment through efficiency investment.