Fixed investment in 200 yuan every month, 7200 yuan for three years. According to the rate of return of 5%, the total capital after three years is 7944 yuan. According to the yield of 10, it is 8738 yuan. Investment will be risky. The choice of fixed investment begins with the unilateral decline of the stock market. The risk is very high, and there may be short-term losses or the risk of quilt cover. Choosing a fixed investment in the normal market will generally have a better return in the future. Choose a fixed investment in the normal market, and the general annual rate of return is around 5- 10%. That is to say, the profit and loss is about 700- 1500 yuan. Fixed investment fund is the abbreviation of fixed investment fund, which refers to the designated open-end fund that invests a fixed amount (such as 500 yuan) at a fixed time (such as 8 days per month), similar to the bank's deposit and withdrawal method. People usually refer to funds mainly as securities investment funds.

1. Automatic Investment Plan (AIP) is called lazy fund management. Its value stems from a saying circulating on Wall Street: "It is more difficult to enter the market accurately than to catch flying knives in the air." If you buy in bulk, you can overcome the defect of buying and selling only once, balance the cost, and be in an invincible position in investment and fixed investment. Generally speaking, there are two ways of fund investment, single investment and fixed investment. Because of the low starting point of the fund and the simple method of "fixed investment", it is also called "small investment plan" or "lazy financial management". "Compared with fixed investment, the one-time investment income may be high, but the risk is also high." Because it avoids the influence of investors' subjective judgment on the entry time, the risk of fixed investment is obviously lower than that of stock investment or single fund investment.

2. Fixed fund investment is similar to long-term savings. You can earn a lot of money from a little bit, share the investment cost and reduce the overall risk. It has the function of automatic code addition and subtraction, and the price is low. No matter how the market price changes, you can always get a relatively low average cost. Therefore, regular fixed investment can erase the peaks and valleys of the fund's net value and eliminate market fluctuations. As long as the selected fund has overall growth, investors can get relatively average returns without worrying about the timing of entering the market. It is difficult for ordinary investors to grasp the correct investment time. through

You can often buy at a high market and sell at a low market. In the fixed-term investment mode of the fund, no matter how the market fluctuates, the fixed-term investment fund is fixed for one day every month, and the bank will automatically deduct the money and automatically calculate the number of fund shares that can be purchased according to the net value of the fund. In this way, investors can purchase fund capital on schedule, and the investment cost is relatively average. For example, if you invest 100 yuan every two months, then the number of shares you can buy at a time is 100, 105.3,1,108.7 and 95.2 respectively. The average cost is 600 6 1 1.2 = 0.982 yuan, the return on investment is (1. 1× 61.2-600), and the return on investment is (1./kloc).