Compared with bank time deposits, fund investment is more suitable for long-term investment, because its expected rate of return is higher than that of bank time deposits, which can bring more benefits to investors. At the same time, investors who hold funds for a long time can get good dividends.

Of course, when investors invest in long-term funds, they can take the form of fixed investment, that is, investing in designated open-end funds at a fixed time and a fixed amount, and increasing their holding shares through continuous buying, so as to evenly share the cost of holding positions and spread risks, thus achieving the smile curve effect when the funds rebound. At the same time, when investing in fixed investment funds, there are the following skills:

1. Choose a fund with large fluctuations to make a fixed investment.

In the process of fixed investment, investors should choose funds with large volatility, such as stock funds and index funds, which are more likely to produce smile curve effect, while money funds and bond funds are less volatile and relatively stable, which is not suitable for fixed investment operation and more suitable for one-time purchase.

2. Make a fixed investment in the downward channel of the fund.

Investors should choose to make a fixed investment when the fund is in the downward channel and make a fixed investment when the fund is in the downward channel. By continuously increasing the share of positions, they can reduce their position costs, spread risks, wait for the rebound of the fund's net value and realize the smile curve effect. However, fixed investment during the fund's rise will increase their position cost and risk.

3. Stop profit and stop loss during the fixed investment process.

In the process of fixed investment, investors can set a take profit position to ensure income. However, the fixed investment of the fund is characterized by long-term, compound interest and average cost. Therefore, there is no need to set a stop loss in the process of fixed investment.

4. Choose the dividend reinvestment method.

Investors can change the dividend distribution method of fixed investment funds into dividend reinvestment, and realize the compound interest effect by increasing the holding share.

5. Choose a fund with low valuation for fixed investment.

Choose index funds with low fund valuation for fixed investment. The lower the valuation of the fund, the smaller the bubble, and the less risk investors take. At the same time, funds with low valuations have more room for growth in the later period.