The fund's fixed investment is also risky. Not just making money. Of course there are losses. The effect of fixed investment will only be reflected in a long period of time, such as more than three years, more people make money than lose money.

In the short term, it is equivalent to blocking the market for a period of time, and there are many people who make good money in the market; There are many losers in the market, which does not reflect the smooth effect of fixed investment on market fluctuations.

Fixed investment of funds is a simple and easy way to guide investors to make long-term investments and average investment costs. However, the fixed investment of the fund can not avoid the inherent risks of fund investment, can not guarantee investors to obtain income, and is not an equivalent financial management method to replace savings. Because the fixed investment of the fund itself is a kind of fund investment, investors must pay attention to various risks in the process of investment operation.

The first is the risk of the securities market. The fluctuation of stock market and bond market directly affects the profit and loss of fixed investment stock funds and fixed investment bond funds. If there is a sharp drop in the stock market like in 2008, even if the fund decides to invest, it is inevitable that the market value of the account will drop sharply temporarily. For example, from June 5438+ 10, 2008, the Shanghai Stock Exchange Index was invested by fixed fund investment, during which the maximum loss of the account was -42.82%, and it was not until May 2009 that the account basically recovered its funds.

The second is the liquidity risk of investors. Data from mature markets show that the longer the investment cycle, the less likely it is to lose money. If the fixed investment exceeds 10 years, the probability of loss is close to zero. However, if investors lack planning for their future finances, especially underestimate their future cash needs, once the cash flow is tight, they may be forced to interrupt the investment of the fund and suffer losses. Therefore, investors should also reasonably arrange the proportion of fixed investment in the fund according to their own income level, investment and financial planning and living expenses, so as to achieve the purpose of increasing the value of family assets.

The third is the frequent operational risk of investors. The fixed investment of the fund is aimed at a long-term financial planning, which is a disciplinary investment, not a tool for short-term profit. In practice, many investors who decide to invest in funds do not invest according to the set discipline. When they decide to invest in funds, they chase up and down, especially when the stock market falls, they stop deducting investment, which violates the basic principle of fixed investment of funds, resulting in the loss of the opportunity to increase the price, and the effect of fixed investment naturally cannot be shown.