1990 the domestic securities market began to develop, and 1998 the fund industry officially kicked off. Fixed investment is called lazy financial management. Fixed investment has the characteristics similar to long-term savings, which can share the investment cost equally and reduce the overall risk. The following is an analysis of the market size of fixed investment funds.

Fixed investment is the abbreviation of fixed-term investment fund, which refers to investing a fixed amount (such as 500 yuan) in a designated open-end fund at a fixed time (such as the 8th of each month), similar to the bank's deposit and withdrawal method. People usually refer to funds mainly as securities investment funds.

Due to the poor income in recent years, the fund's fixed investment has suffered a large-scale "cut-off". However, since the beginning of this year, the number of customers and the amount of fixed investment have remained stable. In the first half of this year, the number of fixed investment customers increased by 65.438+0.7 million, and the market size of fixed investment funds was nearly 2.3 billion yuan.

Generally speaking, index fund is the first choice for fixed investment, because it is less interfered by human factors and only tracks the index. In the case of market downturn, the income of index funds is generally not as good as that of active funds, while in the case of long-term domestic growth, long-term fixed investment is easier to make profits, so it is one of the first choices for long-term investment. Active funds are greatly influenced by fund managers, and domestic active funds fluctuate greatly. External factors such as changing fund managers will also have a certain impact. If you hold it for a long time, the risk will be greater. Foreign experience shows that in the long run, index funds outperform most active equity funds and are one of the first choices for long-term investment. According to American market statistics, since 1978, the average performance of index funds has exceeded 70% of active funds. In addition, stock funds with good growth are more popular. Young people who have just joined the work, young parents who want to prepare education funds for their babies, statistics show that in the whole year of 20 12, of the 596 partial stock funds that can be fixed, 584 realized profits. If investors insist on fixed investment in 20 12, the profit probability is as high as 98%, and the average income of these partial stock funds reaches 8.99%, which is much higher than time deposits.