What is the fixed investment of the fund and how to operate it?

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.

Generally speaking, there are two ways of fund investment, single investment and regular quota. Because of the low starting point and simple method, the fund is also called "small investment plan" or "lazy financial management"

"Compared with fixed investment, the one-time investment income may be high, but the risk is also great. Because it avoids the influence of investors' subjective judgment on the timing of entry, the risk of fixed investment is significantly lower than that of stock investment or single fund investment.

The fixed investment of the fund is similar to long-term savings, which can spread the investment cost evenly and reduce the overall risk. It has the function of automatic bargain-hunting plus code and bargain-hunting minus code. No matter how the market price changes, it can always get a lower average cost.

Therefore, regular fixed investment can smooth the peaks and valleys of fund net value and eliminate market fluctuations. As long as the selected funds grow as a whole, investors will get relatively average returns without worrying about the timing of entering the market.

Extended data:

The fixed investment of the fund does not need to invest a lot of money at one time. It is often to let everyone spread some spare money. For example, the well-known fund investment 10 means that you only need to invest 10 every day, which greatly lowers the investment threshold. But it should be pointed out that we must avoid two main minefields:

Myth 1: short-term access. Fixed investment is a long-term operation strategy, which has no effect in the short term. If you don't invest many times to dilute the buying cost and have no patience to wait for the market to improve, the probability of earning in a short time is very small. You know, funds are not suitable for short-term holding, and fixed investment is the long-term strategy.

Myth 2: Stop loss is greater than profit. Some small partners, after the fund loses money, are worried that the market will fall further and often stop losses. Fund profit is wrong, but it is not safe. As far as the fixed investment of the fund is concerned, in the later stage of the fixed investment plan, we should accept it as soon as possible when determining the selling price.

Baidu Encyclopedia-Fund Fixed Investment