Is the fund a fixed investment or a one-time purchase?
1. Look at the investment ability
If you are an investor with strong investment ability and have a good analysis and judgment of the market, then a one-time investment can undoubtedly get a higher return on investment; If you are an investor with weak investment ability, then there is no doubt that the fixed investment of the fund is a better choice. Even if you buy at a high level, you can reduce the cost of holding positions through fixed investment.
2. Look at the market situation
If it is a volatile market, then a better choice is the fixed investment of the fund. Even after several months of shocks, the net value of the fund has returned to its original point, and the fixed investment of the fund can still get a certain return, while the one-time investment has just returned to its original value.
If it is a rising market, then a better choice is to buy it at one time. When the net value of the fund is low, you can get the maximum income in the process of rising, while the fixed investment of the fund will increase the cost of holding positions, resulting in a decrease in income.
One-time buying can get a large return on investment in the rising market, but if you don't lighten your position in time in the falling market, the loss will be great. Then when the fund fell, it was at a low level, but investors wanted to add positions, but they had no money to add positions. The advantage of fixed investment is that it can share the cost and reduce the risk. However, because the fixed investment is bought randomly at a certain position, it may be bought at a high level, so that the principal will increase and the loss will also increase.
Generally speaking, one-time purchase and fixed investment have their own advantages and disadvantages. Which way to choose varies from person to person and from market to market. If investors' investment ability is not strong, then fixed investment is a better choice.