“十三五”开局之年的中国经济,上半年整体经济稳中有进,同时也依旧面临着复杂的国际经济形势和较大的下行压力,美联储加息的预期,英国脱欧影响,以及我国国内产能过剩,杠杆较高,房地产库存较大等严峻形势。股票市场盘整波动幅度不大,债券市场收益较低,基准利率也较低的经济环境中,对于投资者在目前国内“资产荒”的情况下,如何选择自己的投资标的和投资策略,势必非常重要。基金定投作为一种强制储蓄,纪律约束,类似零存整取的投资方式,笔者通过简单介绍定投的定义、特点及原理和对定投的分析和展望,希望可以为市场投资者在投资决策时提供一些建议和参考。 In the first half of the 13th Five-Year Plan period, the economy as a whole had a steady growth in the first half of the year. At the same time, it still faced complicated international economic situations and greater downward pressure. The Fed’s rate hike expectations and the Brexit influence , As well as China’s domestic overcapacity, higher leverage, real estate inventory and other serious situation. In the economic environment where the volatility of the stock market does not fluctuate so much, the bond market yields are low, and the benchmark interest rates are also low, how can investors choose their own investment targets and investment strategies in the current domestic “asset shortage” It is bound to be very important. As a kind of compulsory saving, discipline restraining and zero-sum recapture investment, the author gives a brief introduction of the definition, characteristics and principle of fixed investment and the analysis and prospect of fixed investment. It hopes that it can be provided to investors in the market when they make investment decisions Some suggestions and references.