Generally speaking, funds can be redeemed at any time. In fact, it is not difficult to understand the fund's fixed investment. It refers to an investment method in which investors invest fixed funds in a fund on a fixed date every month. If you have a one-time savings experience, then this investment method is not more complicated than one-time savings. After signing an agreement with a fund company or a bank and other consignment agencies, what you need to do is to keep enough money in your account on the fixed investment day of each month, and other reasons will be handled by the bank. Or you can try to make a fixed investment plan yourself, but you should restrain the weakness of human nature, don't give up because of the downturn in the market, and don't stop because of the high net worth. Strictly abide by the plan and insist on investment. The advantage of your own fixed investment is that it is more flexible. Generally, you can directly invest in the direct selling website of fund companies and enjoy preferential rates. The disadvantage is that compared with the traditional fixed investment method, the subscription starting point is 300-500 yuan, which is higher, and generally at least 1 000 yuan.

There is no time limit for the fixed investment, and the customer will not terminate it. As long as the fund continues to exist, the agreement will remain valid, which means that it will be automatically deducted every month. Even if all the fund shares are redeemed, the fixed investment agreement is still valid. However, this does not mean that customers do not have the right to terminate early. You can ask for termination at any time, otherwise the agreement will be terminated automatically if the deduction conditions are not met for more than 3 months. The realized income will not suffer any loss, that is, it will not be reduced by paying interest at the listed current interest rate when withdrawing time deposits in advance.

What are the benefits of fixed investment? First of all, it must be explained that if there is no big bull market like that in 2006-2007, the investment method of fixed investment is not as good as the income of one-time investment, but the normal securities market always has opportunities and risks, and the index fluctuates up and down, so the fixed investment can well spread the risks, because the subscription share will decrease when the net value of the fund is high, and the share can increase when the net value is low, which coincides with the theory of high throwing and low sucking in the stock market. As long as we insist on long-term investment, there will be an average cost and an ideal income. Secondly, due to the low starting point and flexible methods, fixed investment is bound to be an ideal financial management tool. Furthermore, you can cultivate good financial habits. Most importantly, as a long-term financial management plan, you can make small investments in exchange for long-term value-added.

So which groups are suitable for fixed investment? In fact, it is suitable for everyone, whether you are preparing an education fund for your children, enjoying your old age, making large purchases, or just realizing your own travel plans. But one thing is that the earlier you start investing, the more obvious the effect of compound interest investment will be, and the income generated by the amount you start investing will continue to join the ranks of continuous income generation. This is the so-called "rolling interest". Of course, it depends on your choice. It is precisely because fixed investment is suitable for early investment and is a long-term financial management tool that it is very suitable for young friends with fixed income!

Regarding the choice of fixed investment funds, we may wish to choose stock funds or hybrid funds with higher returns. The former is suitable for radical investors, while the latter is suitable for steady investors. Because fixed investment can spread risks, funds with radical portfolio can get good returns while controlling risks, while monetary or bond funds are low-risk and low-yield products, which are not suitable for this investment method, with one exception. If you save money to buy a computer after one year, or pay insurance every year after eight months, it is also a good choice to choose a stable currency or bond fund. At least you can get much higher income than the bank's savings in the same period, and you don't have to worry too much about the loss of principal or interest.

Because of the low starting point and simple method, the fund is also called "small investment plan" or "lazy financial management"

The fixed investment of the fund is similar to long-term savings, which can spread the investment cost evenly and reduce the overall risk. It has the function of automatically increasing the price and reducing the price on dips. No matter how the market price changes, it can always get a relatively low average cost. Therefore, regular fixed investment can smooth the peaks and valleys of the fund's net value and eliminate market fluctuations. As long as the selected funds grow as a whole, investors will get relatively average returns without worrying about the timing of entering the market.