Although the fixed investment has the characteristics similar to long-term savings, it does not mean that it is risk-free, and there are still some risks in the fixed investment. If the market continues to fall, the fixed investment will indeed lose money.

It should be noted that fixed investment is a long-term investment process, so it may go through a long process of market decline. However, even if the market falls and the fixed investment loses money, there is no need to rush to redeem the funds. On the contrary, you can accumulate shares at this time. As long as the market picks up, turns losses into profits, and then stops profits at the right time, you can also get high returns.

Fixed investment is like a "smile curve". Without the share accumulated in the early stage, there will be no investment income process of rapid rebound in the later stage. It can be said that the longer the investment cycle, the less likely it is to lose money.

Fixed investment is the abbreviation of fixed investment fund, which refers to investing in a designated open-end fund at a fixed time and amount. This concept can be understood in two subjects. Fund refers to the object of its investment, and fixed investment refers to the way of its investment (for example, 1000 yuan per month). The fixed investment of the fund is similar to long-term savings, which can share risks to a greater extent and obtain stable income. 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.

Automatic investment planning (AIP) is known as lazy financial management, and its value stems from a saying circulating on Wall Street: "It is more difficult to step into the market accurately than to catch a flying knife in the air." If you adopt the method of buying in batches, you will overcome the defects of buying and selling at one time, balance the cost and make yourself invincible in investment, that is, the fixed investment method.

Generally speaking, there are two ways of fund investment, single investment and regular quota. Because of the low starting point and simple method, the fund is also called "small investment plan" or "lazy financial management"