What are the benefits of using a fixed amount of funds?

**Regular fixed investment refers to the deduction time, deduction amount and deduction method agreed by the investor in the relevant sales agency, and the sales agency will automatically complete the deduction and subscription from the investor's designated bank account on the agreed deduction date. Because this method generally invests a small amount each time, investors can make the money work automatically for a long time through a single agreement, so it is also called the "lazy investment method". It is similar to the bank's lump sum deposit and withdrawal method.

Generally speaking, regular investment is more suitable for wage earners with low risk tolerance, young people who have just started working, and middle-aged people with specific financial goals (such as children's education**, pension plans). Experts suggest that investors can plan their own fixed investment according to the actual situation and goals, such as buying a car and buying a house can choose ICBC fixed investment for three or five years, and preparing education funds and pension for children can choose a longer fixed investment period.

The method of regular quota is similar to the "lump sum withdrawal" of bank savings. You don't have to worry about not being able to take out a "decent" amount of money to invest at one time, because the minimum investment amount of Bosera open** regular quota is only 100 yuan, you can use the practice of lump sum deposit similar to the bank, and use the idle money outside the necessary living expenses every month to invest, which will not cause additional economic burden, and can accumulate a lot, and slowly accumulate for a long time to make small money into big money. It is very simple to go through the regular quota procedures, as long as the investor and the ** agency agree on a fixed deduction time and amount each month to invest**, and the investor does not need to go to the bank to pay every month.

The most important investment feature of regular quota is that the investment cost can be shared, taking the investment open-ended ** as an example, in the case of the same investment amount in each period, the net value is high and the share of purchase is less, and the share of purchase is low if the net value is low, due to the dispersion of the subscription time, long-term investment, the average cost per share is low, the risk is reduced, and the income is more stable, which is conducive to the investor to realize the plan of accumulating wealth step by step.

**The regular fixed investment method is a kind of marketing model that draws on the "installment insurance and long-term benefit" of insurance. Regular fixed investment has been loved by the majority of investors because of its advantages such as collecting small money and remitting large money. This investment method has been very popular overseas, in view of the actual situation of China's ** market volatility, regular fixed investment actually has its advantages, and domestic ** companies have also begun to vigorously promote this investment method.

Generally speaking, there are two types of investment, single investment and regular fixed amount. The method of regular quota is similar to the method of "lump sum deposit" of bank savings. The so-called "regular quota" means investing a fixed amount of money (e.g. $2,000) in the same open** at fixed intervals (e.g. 25th of each month).

It is very simple to go through the regular quota procedures, as long as the investor agrees with the company or the agency to allocate a fixed amount of money from his account at a fixed time every month to invest, and the investor does not need to go to the bank to pay every month.

For example, if you decide to invest 20,000 yuan to buy a certain **, then according to the regular quota plan, you can invest 2,000 yuan per month for 10 consecutive months, or you can invest 1,000 yuan per month for 20 consecutive months. However, for bonds** with a fairly low volatility risk, it is better to invest in a single transaction. Usually, a single investment requires a large amount of investment, and the timing of entering the market will also have a great impact on the rate of return, so a single investor needs to analyze the market situation in advance and be able to bear higher risks.

As for regular fixed investment, because it is a small amount of batch entry, it can relatively reduce the risk, and at the same time, it is a suitable way for medium and long-term investment for investors who have no time to study market trends and accurately grasp the entry point. For the majority of investors, the advantage of choosing a regular quota business is to diversify risks and reduce pressure.

First of all, there are so many variety. The main discussion here is **investment**. Even there are many types of investments, and the risks vary between each variety.

Low risk**suitable for one-time**, such as bonds**, currency**, etc., because these ** are related to the term, the income is relatively low, the risk is relatively low, suitable for one-time **, can increase income, no fixed investment, fixed side shirt investment wastes resources, unless it is a fixed income, different periods, can not be taken out at one time.

Medium to high risk** suitable for fixed investments. The advantage of fixed investment is that it sticks to it for a long time and spreads out the risk. Many types are very risky and not suitable for disposables.

Once it is not good, it may not be profitable for many years, and there is a risk of loss. Then, a fixed investment can balance the risk. In terms of disadvantages, fixed investment Yunshan can make a profit in more than ten years, regardless of the place where it starts.

A lump sum is the investment of all your money. After that, if the market goes all the way, a one-time return can be maximized. Ideal for less volatile products such as currencies and bonds.

If it is a partial **type**, there are higher requirements for the investor's ability to choose. Losses are also maximized when a one-time encounter is encountered. In addition, in the process of losing money, the investor's mindset can easily be swayed, leading to mid-redemption**.

The most important thing is a one-time **, and then there is no money for margin call, which will become very passive, which can easily lead to the failure of the investment. On the other hand, China does not dare to grow a bull market, on the one hand, it does not dare to grow a bull market very fast. Therefore, in order to overcome the problem of the unavoidable, there are fixed investment methods to solve this problem.

In a bear market and shock market, no matter what, in the long run, fixed investment can reduce costs, especially in a bear market, the cost of buying can be continuously reduced, and once it is achieved, profits can be realized, which is the smile curve. In short, the difference between one-time investment and regular investment is that regular investment is suitable for ordinary investors, and they generally invest in bear markets and markets, waiting for the profit results of the bull market, and the yield is ideal. The one-time ** is suitable for experienced investors, and is generally suitable for investing in the early stage of the bull market**, so as to enjoy the good yield brought by the bull market**.

However, if you don't grasp the timing well, you are also prone to lose money in the bull market.

The net value of ** is not the same, the cost is not the same, the risk is not the same, the degree of profit is not the same, and the trading methods of the blind are also different.

One-time **** needs to have a strong **selection ability, and purchase the ** at the right time. **Regular investment is operated by a professional Zhaohu financial management team, and the ability to pick and choose is relatively strong, and the possibility of loss is relatively small.

The ability to choose ** is different, the risk is different, the return is different, the method is different, and the essence is different.

1. Anti-inflation;

2. Diversify the risk of entry;

3. The effect of long-term compound interest;

4. Time-saving, labor-saving, rest assured;

5. Compulsory savings and learn to manage money.

Regular investment** is similar to the bank's lump sum deposit, and what the general public says is** mainly refers to**investment**. The advantage of regular investment ** is that you don't have to care very much about the opportunity to buy, and you don't always have to keep an eye on the profit of **, you can ignore it for a long time after buying, and after 2 years, you can choose the right opportunity to sell. The above is the main function of the fixed investment.

For example, on the 10th of each month, the customer invests a fixed amount such as 200 RMB into a specific open-ended**, when buying**, if this **can be fixed-cast, there will be an entrance to the fixed-investment** next to the **** option, click in and enter the amount of the fixed-investment**, select the fixed-investment**cycle, and then pay.

1. Reduce costs: If the user has assets, the system software will automatically invest in the user's choice, without the user's manual operation;

2. Don't take into account the time: the trick of investment is to "sell high and buy low", users can invest in the sales market through the "regular investment plan", do not care about the time period of entry, do not care about the sales market**, do not need to change the long-term investment decision for its short-term fluctuations;

3. The effect of compound interest: **Regular investment can continue to invest in user costs and interest, which is often said to be "compound interest", users do not need to care about short-term fluctuations in the sales market, as long as the long-term investment market prospects are good, users can also get higher profits;

4. The average cost is low: because the regular investment is invested on time, the average cost is low, and it also reduces a certain investment risk.