【中文版】

基金定投是指定期定额投资基金的行为，通常是指在固定的时间、以固定的金额投资到指定的开放式基金中。这种投资方式可以帮助投资者养成储蓄习惯，同时也可以降低投资风险。

基金定投的优点在于，无论市场如何波动，投资者都可以通过定期定额的方式获得一定数量的基金份额。这样，投资者可以降低投资风险，避免因市场波动而遭受损失。此外，基金定投还可以帮助投资者养成良好的理财习惯，使投资者的资金得到更加有效的利用。

基金定投的方式有多种，包括银行代销、网上银行和基金公司直销等。投资者可以根据自己的需求和情况选择适合自己的方式。在选择基金定投时，投资者应该注意选择具有稳定业绩、低费用、低风险的基金产品，并且要注意分散投资，避免把所有的鸡蛋放在一个篮子里。

总的来说，基金定投是一种具有稳定收益和较低风险的长期投资方式，适合于有储蓄需求和理财意识的投资者。

【英文版】

Fund fixed investment refers to the act of investing in funds at regular intervals and fixed amounts, usually investing in open-end funds at fixed times and amounts. This investment method can help investors develop a savings habit and reduce investment risks.

The advantages of fixed investment in funds lie in that investors can obtain a certain number of fund shares through regular fixed-rate investment, regardless of market fluctuations. In this way, investors can reduce investment risks and avoid losses caused by market fluctuations. In addition, fixed investment in funds can help investors develop good financial habits, making the investors' funds more effectively utilized.

There are various ways for fixed investment in funds, including bank agency sales, online banking, and fund company direct sales. Investors should choose the way that suits their own needs and circumstances. When selecting fixed investment in funds, investors should pay attention to selecting funds with stable performance, low fees, and low risks, and be mindful of diversifying investments to avoid placing all eggs in one basket.

Overall, fixed investment in funds is a long-term investment method with stable returns and low risks, suitable for investors with savings needs and financial awareness.