Under normal circumstances, when we talk about fixed investment, we usually only pay attention to one fund. Or choose several funds to make regular fixed investment, which is essentially a single regular fixed investment. In fact, as an investment method, the fixed investment of the fund can also be fully integrated into the concept of asset allocation, and the two can be completely combined to achieve dynamic balance in the process of fixed investment. Give a simple example. If we decide to build a fixed investment portfolio of 50% equity funds and 50% bond funds at a monthly cost of 2,000 yuan, then 1000 yuan will be invested in equity funds and bond funds at the beginning of each month. However, after a month's change, stock funds fell to 800 yuan, while bond funds rose to 1 100 yuan. Then, in order to maintain the asset allocation of 50:50, it is necessary to make a dynamic balance in the process of fixed investment, that is, put 1 150 into stock funds and 850 into bond funds, so that the two sides will reach 1950, and the ratio of the two will continue to be 50:50. Similarly, if the stock fund rises sharply next month, making it account for more than 50% of the total assets, then the investment in that month will be reduced or even reduced in part, so that its proportion will return to the predetermined 50%. To be more practical, let's take a real case.

We combine the stock fund: China Post's strategic emerging industry mix (590008) and the bond fund: Huashang Double Debt Fengli Bond A(000463). At the same time, the net fund value at the end of each month from 20 14 12 3 1 to 2016163 is selected as the calculation basis to verify this investment strategy. See table for details. In the table, our total investment in the stock base is: 10948.07577, and our share value in the stock base is: 2528.4752 * 6.12 =15475.686 Our total investment in the debt base is:/kloc- Moreover, it is also quite stable to invest in funds through dynamic asset allocation.