From the perspective of income alone, of course, the income of the fund's fixed investment is large, but it is not correct to judge the income of the two only by the income, because the fund's fixed investment can not promise the capital preservation, income and risk, but the time deposit can, and everything is relative. However, if it is a regular financial management fund in some places, it is much better for you to find a fund to choose a fixed investment, and the income is of course greater than the bank's time deposit.

Although the investment mode of regular fixed investment of funds can not only average costs and spread risks, but also be similar to "zero deposit and withdrawal" savings, as long as you go to the bank or the securities business department to sign an agreement, you can realize automatic investment and enjoy the benefits, which is called "lazy investment".

However, we cannot ignore her shortcomings. Because not all funds are suitable for fixed investment, the income of bond funds is generally stable, and the gap between fixed investment and one-time investment is not too big, while equity funds fluctuate greatly, which is more suitable for balancing costs and risks with fixed investment.

Investment period: Fixed investment can only be long-term, and the fixed investment of the fund can't be foolishly invested on a monthly basis, so it needs to be made temporarily. If the index has dropped by 1 1,000 points since the fixed investment, the amount of fixed investment can be doubled; if it continues to drop by 1 1,000 points, the monthly investment will be doubled again, and so on. If the market continues to rebound, the fixed investment can be suspended. If it is only a rebound when it falls, but not an index reversal, it can be relative.

Under normal circumstances, fixed investment can only be made monthly, but some fund companies stipulate that fixed investment can be made weekly, monthly, bimonthly or quarterly. Most unit wages are generally divided into monthly fixed salary and quarterly bonus. If the monthly salary is only enough for daily use, the quarterly bonus can be invested and is suitable for quarterly investment. If the monthly salary is generous, or young people want to save money, they can invest monthly.

You can directly change the fixed investment amount. According to the regulations, after signing the fixed investment agreement, the fixed investment amount cannot be changed directly within the agreed investment period. If you want to change, you can only go to the agency outlet to go through the formalities of "canceling the fixed investment" and then re-sign the application form for fixed investment. The bank's online banking business can easily modify the investment amount and deduction time at any time.