【中文版】

基金定投是指在固定时间间隔内，定期定额投资于某种基金或产品的投资方式。它是一种有效的投资策略，可以帮助投资者降低风险、提高收益，同时也可以帮助投资者养成良好的投资习惯。

基金定投的核心思想是“定期投资、定额投资”，投资者在固定的时间间隔内，以相同的金额投资于目标基金或产品。这种方式可以分散投资风险，避免因市场波动而产生过大的损失。同时，基金定投还可以帮助投资者养成良好的投资习惯，避免因市场波动而产生不良的投资情绪。

基金定投的优点在于：首先，它可以降低投资风险，通过分散投资来避免单一股票或市场的风险；其次，它可以提高收益，通过长期投资来获取稳定的收益；最后，它可以培养良好的投资习惯，帮助投资者避免盲目跟风和过度交易。

在进行基金定投时，投资者需要选择适合自己的基金或产品，并根据自己的风险承受能力和投资目标制定合适的定投计划。同时，投资者还需要注意市场变化和风险因素，及时调整自己的定投计划。

【英文版】

Fund investing refers to the investment method of regularly investing a fixed amount of money in a certain fund or product at regular intervals. It is an effective investment strategy that can help investors reduce risks, increase returns, and develop good investment habits.

The core idea of fund investing is "investing regularly and in fixed amounts". Investors invest in the target fund or product at regular intervals with the same amount of money. This approach can diversify investment risks and avoid excessive losses caused by market fluctuations. At the same time, fund investing can also help investors develop good investment habits and avoid adverse investment emotions caused by market fluctuations.

The advantages of fund investing are as follows: firstly, it can reduce investment risks by diversifying investments to avoid the risk of single stocks or markets; secondly, it can increase returns by investing long-term to obtain stable returns; finally, it can cultivate good investment habits to help investors avoid blind following and excessive trading.

When doing fund investing, investors need to choose suitable funds or products and develop appropriate investment plans based on their risk tolerance and investment goals. At the same time, investors also need to pay attention to market changes and risk factors, adjust their investment plans in a timely manner.