The fixed investment of the fund is similar to the ordinary subscription, but the fixed investment subscription is carried out on a fixed date every month. Because the net value of the fund is different when each period is deducted, the fund share purchased every month is different. The income from the fixed investment of the fund is not settled once a month, nor is it invested next month, but the income from the fixed investment is added up every month. Among them, monthly fixed investment income = monthly subscription fund share × net fund value on the calculation date of income-redemption fee-subscription principal. This method is more troublesome. We can generally refer to the annual rate of return within the fixed investment time of the fund and calculate the fixed investment income of the fund through the calculation formula.

The calculation formula of the fund's fixed investment income:

m=a( 1+x)[- 1+( 1+x)^n]/x

Among them, m represents the total amount (including income and principal) after the fixed investment for n years, a represents the amount invested every year (for example, 200 yuan is invested every month, a = 2,400 yuan), b represents the annual rate of return (for example, annual income 15%, b = 0. 15), and n represents the n power (because it cannot be marked, it has to be expressed this way).

For example, the annual rate of return of a fund is 15%, and some people invest 1 000 yuan every month. If the investment is fixed for 20 years, the income plus principal after 20 years is:

M =1000×12× [1-(1+0.15) 20]/-0.15 ≈1.

Income = 1.23 million-20×12×1000 ≈ 990,000 yuan.

Fixed investment of funds is a safe investment method, and its biggest advantages are average investment cost and avoiding timing risk. Its risk is relatively low, and it has the advantages of regular investment, sand accumulation, average cost and risk diversification. Therefore, whether it is a bear market or a bull market, the fixed investment of the fund is a more suitable financial management method for ordinary investors.

At present, the stock market volatility adjustment is a good time for the fund to make a fixed investment. If you make a fixed investment now, you will have the opportunity to buy more fund shares at a low level, which can spread costs and reduce investment risks. Since the fundamentals of the market have not fundamentally changed, the long-term positive trend of the stock market will not change, and it is not necessary to care about the short-term market when making a fixed investment.