Fixed fund investment refers to investing in a designated open-end fund at a fixed time and with a fixed amount. The principle of fixed fund investment is to invest equal or unequal funds at different time points, without paying attention to the fluctuation of short-term unit fund net value, so as to achieve the purpose of reducing costs and increasing income.

Why does everyone say that the fund's fixed investment is a "lazy financial management law"? Because the fixed investment of the fund has the following advantages:

1. The fixed investment of the fund is equivalent to compulsory savings every month. The system will automatically deduct the money to purchase the fund on each fixed date. Investors only need to ensure that there is enough money in the bank card, and every little makes a mickle. Long-term persistence, higher returns and lower risks;

2. The fund is managed by a professional fund manager, and the selected fund adopts a fixed investment method, regardless of the time of entry, market price and short-term fluctuation, and you can get a professional return on investment without worrying about yourself;

3. The biggest advantage of the fund's fixed investment is to reduce the risk of market fluctuation through phased investment. The capital is invested in stages, and the input cost is high or low. In the long run, the average is relatively low, and the investment risk is maximized.

What fund should the fund decide to buy?

Not all funds are suitable for fixed investment, such as closed-end funds, money funds and bond funds. Generally speaking, the fund should choose the fund with large fluctuation for its fixed investment, because the fund with large fluctuation has a better chance to accumulate more low-priced shares in the stage of net value decline, and the market rebound can make a quick profit.

First, funds usually choose index funds and active partial stock funds. Index funds usually need a long fixed investment cycle, which requires investors to be very patient. If you want to invest in short-term funds, you can choose stock funds and hybrid funds.

Second, the fund must also choose the fund of the gold track. It is very important to choose a fund with good long-term performance, because the fixed investment of the fund is a long-term process and a long-term investment income. If the long-term prosperity of the industry corresponding to the selected fund is poor, resulting in a long-term decline in the net value of the fund, then such a fixed investment will lose its meaning.