There are two options for investment funds, one is one-time investment, and the other is fixed investment by the fund.

the difference between the two investment methods

one-time investment. The so-called one-time investment refers to one-time purchase when investing in a fund, with the purpose of getting higher returns in the short-term and medium-term market games. However, this investment method of one-time purchase requires investors' own timing ability. If the time of purchase is not good, even if the fund itself is good and outperforms the broader market, investors may lose money with high probability.

the fund will vote. Fixed investment is the abbreviation of fixed investment fund, which refers to investing in the designated open-end fund at a fixed time and with a fixed amount. A great advantage of fixed investment is that it weakens timing. Even if you start fixed investment at a higher point, the average cost will be lowered by the chips bought in the subsequent decline process.

Starting from the investment purpose and investment ability

I think that whether an investment fund chooses a one-time investment or a fixed investment depends on the individual's investment purpose, source of funds and his own investment ability. Different choices need to be different from person to person and cannot be generalized.

the difference of investment purpose. The so-called investment purpose, that is, what expectations investors want to achieve through investment funds, and what arrangements they can make for their personal financial plans in the future. Therefore, in terms of investment purposes, the difference between fixed investment and one-time investment is that fixed investment is long-term money and long-term financial planning, which is more suitable for long-term financial goals such as pension and children's education; The purpose of one-time investment is more focused on getting a higher return in the short-term market. To put it bluntly, it is going with the future bull market and wants to earn a lot of money in the short term.

differences in funding sources. Choosing a fixed investment, its source of funds is more focused on the idle savings left by individuals every month, and it is a regular income. This money is not much, but it is not urgently needed for the short-term future living conditions, and you may have a large consumer demand in a certain period of time in the future, such as buying a house, buying a car, or educating your children and supporting the elderly. It is the most appropriate to make a fixed investment with such small money and spare money.

One-time investment often requires a lot of money, and its investment strength is more focused on "big money" and existing money. For example, you have accumulated savings for many years, or the relocation funds in your hometown have just arrived, or the year-end dividends are extremely rich all year round ... These are all big money. Grasping the opportunity and using Qian Shengqian quickly and efficiently is the ultimate goal of one-time investment.

the level of timing ability requirements. Fixed fund investment does not require high timing ability, but in reality, it is difficult for non-professional investors to grasp the small fluctuations of the market, and even it is easy to catch up with the ups and downs. Therefore, choosing fixed fund investment can better avoid the investment risks brought by short-term timing. If investors do not have professional investment knowledge, do not study market changes deeply, and have a lack of timing ability, fixed fund investment is a good investment method.

One-time investment requires high timing, and investors often need to have a certain ability to control the market conditions. You know, the market conditions are changing rapidly, and there will be great differences in choosing to buy at different times. If you don't know enough about the market conditions, you will easily miss the investment opportunity and even be trapped. However, if you want to grasp the right investment time, you really need "real skills".

In fact, everyone may understand that fixed investment and one-time investment are not antagonistic, but you just need to choose an investment method that suits you according to your own situation. If you have sufficient funds, rich investment experience and sufficient plans for your life, then it is not bad to "grasp both hands and be hard" for these two investment methods!