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. There are three main analysis methods of securities investment: basic analysis, technical analysis and evolution analysis, in which the basic analysis is mainly applied to the selection of investment objects, while the technical analysis and evolution analysis are mainly applied to the temporal and spatial judgment of specific investment operations as an important supplement to improve the effectiveness and reliability of investment analysis.

To make a fixed investment, we must follow the following five steps:

(1) Determine the fixed investment target. Knowing that there will be a large amount of capital demand in the future, planning in advance by means of regular fixed investment will not only cause your own economic burden, but also turn small monthly money into big money in the future. If I need 200,000 yuan after 10 to arrange my retirement trip, I need to make a fixed investment of 869.43 yuan per month according to the annual return on investment 12%, and this 200,000 yuan after 10 is the fixed investment target. If you have multiple financial needs, you can find a financial expert to plan.

(2) Determine the fixed investment time. The fixed investment time of the fund can be divided into: the subscription time, that is, which day of the month is the fixed investment date, which can be determined according to everyone's habits and income; Fixed investment period, the fixed investment period can be determined as three to five years, but the shortest is not less than 1 year. Generally speaking, the longer the fixed investment time, the smaller the risk; The shorter the fixed investment time, the greater the risk, and the only way to reduce the risk is to extend the investment period.

(3) Determine the fixed investment target. When choosing fund companies, we should choose fund companies with strong strength, good governance structure and standardized management, such as Harvest and Huaxia. When choosing fund types, generally speaking, index funds should be selected for fixed investment of 10 years or more. The net value of such funds fluctuates greatly, and there are more opportunities to buy low-priced chips, often with higher returns; Choose stock funds from 5 to 10; Choose a hybrid fund within 5 years. It can also be selected according to the customer's risk tolerance. Equity funds have big returns and big risks, followed by hybrid funds, and bond funds have small risks and small returns. When choosing fund products, we can compare the fund income with the market trend. If the performance of a fund is better than the market index in the same period most of the time, then choosing this fund for regular fixed investment will make the risk return more ideal. It can also be judged by a professional company with more than four stars.

(4) Determine the fixed investment quota. There is an algorithm in the United States, that is, the proportion of risky assets in the portfolio is equal to 100 MINUS your age. The assets invested by stock funds and hybrid funds can account for 50%~ 100% of family venture capital.

(5) Determine the redemption time.