You'd better not divide this. Because financial investment depends on which one suits you. Precious metals investment's initial investment is relatively large, and the risks are also great. Therefore, it is suitable for people with strong risk tolerance and people who already have a certain economic foundation. Generally speaking, the fund's fixed investment is more suitable for working-class people with low risk tolerance, parents with specific financial goals (such as children's education funds and pension plans) and young people who have just left school and entered the society.

For example, a couple intends to set up an education fund for their son. Assuming that his son has just entered primary school and the investment period is 16, they decide to invest in Huaxia Growth (net position) securities investment fund under Huaxia Fund. The expected annual rate of return is 10%, and 500 yuan will be deducted for each period. The subscription rate is 1.8%, and the charging method is front-end. Input this information into the fixed investment calculator provided by Huaxia Fund Company, and it can be concluded that the maturity income is134,984.26 yuan, the total subscription fee during the period is 1728.00 yuan, and the maturity principal and interest are 230,984.26 yuan. Such a sum of money should be able to pay for children's college and postgraduate education. From this example, we can also see the power and compound interest effect of regular fixed investment to turn small money into big money.