为什么基金定投能赚钱？

Why Can Fund Regular Investment Earn Money?

中文：

基金定投，即定期定额投资，是指投资者在固定的时间间隔内，按照固定的金额投资于某一基金。这种投资策略为什么能够赚钱呢？

首先，基金定投利用了复利效应。复利是指资金在投资过程中，不仅本金能够产生收益，而且收益本身也能继续产生收益。通过定期定额投资，投资者可以在长期持有基金的过程中，享受复利带来的收益增长。

其次，基金定投具有分散风险的优势。投资者在定投过程中，会定期购买基金份额，无论市场涨跌，都会保持一定的投资比例。这种分散投资的方式可以降低单一资产的风险，避免因市场波动而造成的损失。

此外，基金定投还具备长期稳健增值的特点。投资者通过长期持有基金，可以充分利用市场的波动性和周期性，实现资产的长期增值。在定投的过程中，投资者无需过分关注市场的短期波动，从而减少了投资决策的复杂性。

综上所述，基金定投之所以能够赚钱，主要得益于复利效应、分散风险以及长期稳健增值的特点。当然，投资者在选择基金定投时，也需要根据自身的风险承受能力、投资目标和市场状况进行合理规划，以实现最佳的投资收益。

英文：

Fund regular investment, also known as fixed-term and fixed-amount investment, refers to investors investing a fixed amount of money in a particular fund at regular intervals. Why can this investment strategy earn money?

Firstly, fund regular investment leverages the power of compound interest. Compound interest refers to the ability of money to generate returns not only on the principal but also on the returns themselves during the investment process. By investing a fixed amount at regular intervals, investors can enjoy the growth of returns brought by compound interest over the long-term holding of funds.

Secondly, fund regular investment has the advantage of risk diversification. In the process of regular investment, investors purchase fund shares periodically, maintaining a certain investment proportion regardless of market fluctuations. This diversified investment approach can reduce the risk of individual assets and avoid losses caused by market volatility.

In addition, fund regular investment also has the characteristic of long-term and stable value appreciation. By holding funds for a long time, investors can fully utilize market volatility and periodicity to achieve long-term asset appreciation. During the process of regular investment, investors do not need to overly focus on short-term market fluctuations, thus reducing the complexity of investment decisions.

In summary, the ability of fund regular investment to earn money mainly benefits from the compound interest effect, risk diversification, and long-term and stable value appreciation. Of course, when choosing fund regular investment, investors also need to make reasonable plans based on their risk tolerance, investment goals, and market conditions to achieve optimal investment returns.