Regular fixed investment:-agreed time-agreed deduction amount-automatic deduction investment Generally speaking, there are two ways of investment funds, single investment and regular fixed investment. The method of regular quota is similar to the "zero deposit and lump sum withdrawal" method of bank savings. The so-called "fixed quota" means investing in the same open-end fund at regular intervals (such as 25th of each month) with a fixed amount (such as 500 yuan). Its biggest advantages are average investment cost and avoiding timing risk. Advantages: First, invest regularly, many a mickle makes a mickle. Investors may have some idle funds from time to time. By regularly planning to buy the target and increasing the investment value, they can "gather sand into mountains" and unconsciously accumulate a lot of wealth. Second, there is no need to consider the investment 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. Third, average investment and spread risks. The capital is invested in stages, with high and low input costs and relatively low long-term average, which maximizes the diversification of investment risks. Fourth, the compound interest effect is considerable for a long time. The income of the "fixed investment plan" is the compound interest effect, and the interest generated by the principal is added to the principal to continue to derive income. Through the effect of rolling interest calculation, the compound interest effect is more obvious with the passage of time. It takes a long time for the compound interest effect of fixed investment to be fully displayed, and it is not appropriate to terminate it casually because of short-term market fluctuations. As long as the long-term prospects are good, the short-term decline in the market is an opportunity to accumulate more cheap units. Once the market rebounds, long-term accumulated units can make a one-time profit. Fifth, automatic deduction, simple procedures. You only need to go to the fund agency to go through the one-time formalities, and the deduction subscription for each period in the future will be automatic.