Suspension refers to the temporary suspension of fixed investment, and the fixed investment plan has not been cancelled. When you still want to make a fixed investment, you can resume the deduction of fixed investment, and your rate of return will continue to be calculated; When terminated, cancel the fixed investment plan. Fixed investment deduction cannot be resumed in the future. If you want to make a new investment, you need to restart the investment setting, and then the yield of the investment will be recalculated.

The characteristics of the fund's fixed investment:

1, the program is simple:

Fixed-term investment funds only need investors to go through the one-time formalities at the fund agency, and then they will automatically deduct the subscription for each period, usually on a monthly basis, but there are also other time limits such as semi-monthly and quarterly as regular units. In contrast, buying a fund by yourself requires investors to go through the formalities in person at the agency every time. Therefore, the fixed investment fund is also called "lazy financial management", which fully embodies its convenient characteristics.

2, save time and effort:

After handling the fixed investment of the fund, the institution will automatically withhold the corresponding fund subscription funds on each fixed day. Investors only need to ensure that there are enough funds in the bank card, which saves time and energy to go to banks or other institutions.

3. Conventional investment:

Every once in a while, investors may have some idle funds. The value-added (or value-preserved) investment through the fixed-investment fund investment plan can accumulate a lot of wealth unconsciously, which is a powerful support for the increasingly rapid economic development of China.

4, regardless of time:

The key to investment is "buy low and sell high", but few people make a profit by grasping the best trading point when investing. In order to avoid this artificial subjective judgment error, investors can invest in the market through the "fixed investment plan", regardless of the market entry time, market price and long-term investment decision on its short-term fluctuation.

The fund's regular investment business is increasingly favored by investors. This investment method can not only average the cost and spread the risk, but also be similar to "zero deposit and withdrawal" savings. As long as you go to the bank or the securities business department to sign an agreement, you can realize automatic investment and enjoy the benefits, so the fixed investment of the fund is also called "lazy investment". However, fixed investment is a new business after all, and many investors have many misunderstandings.

Myth 1: Any fund is suitable for fixed investment.

Although fixed investment can average costs and control risks, not all funds are suitable. The income of bond funds is generally stable, and the gap between fixed investment and one-time investment is not too big, while equity funds fluctuate greatly, which is more suitable for balancing costs and risks with fixed investment.

Myth 2: Fixed investment can only be long-term investment.

Although the fixed investment fund is easy to control risks, it should be cautious whether it is a one-time investment or a fixed investment when the market outlook is not optimistic. The fund fixed investment plan that has been handled should also consider avoiding risks.

The fixed investment of the fund can't be foolishly invested on a monthly basis, and it needs to be improvised. If the index has dropped by 1 1,000 points since the fixed investment, the fixed investment amount can be doubled. If the index continues to fall by 65,438+0,000 points, the monthly investment will double again, and so on. If you find that the market continues to rebound, you can suspend the fixed investment. If it's just a rebound when it falls rather than an index reversal, you can lighten your position at a relatively high level and when the index falls to a low point.

Myth 3: The date of deduction can be any day.

Although fixed monthly deduction is adopted for fixed investment, some months only have 28 days. In order to prevent 27.28 from falling on Saturday and Sunday, the monthly deduction date can only be 1-26. In addition, in case of holidays, the deduction date will be automatically postponed, for example, the agreed deduction date is July 8, but if the 8 th of next month falls on Sunday, the deduction date will be automatically postponed to the 9 th.