中文：

货币基金定投是指在固定的时间以固定的金额投资到货币基金中，通过长期持有货币基金，利用其较为稳定的收益特性，降低投资风险，实现资产的长期增值。

货币基金定投的优点在于其操作简单、风险较低、收益稳定。投资者只需选择一只货币基金，设置好定投计划，即可实现自动投资，无需时刻关注市场行情。同时，由于货币基金主要投资于短期债券、存款等低风险资产，因此其收益相对较为稳定，不会因市场波动而出现大幅亏损。

货币基金定投适合于有一定闲置资金，且对风险较为敏感的投资者。通过定期定额投资，可以降低投资风险，同时实现资产的长期增值。此外，对于一些对股票、债券等投资品种不熟悉的投资者来说，选择货币基金定投也是一个不错的选择。

需要注意的是，虽然货币基金定投的风险相对较低，但并不意味着没有风险。投资者在选择货币基金时，应该注意基金的业绩表现、管理团队、运作状况等方面的情况，避免因基金本身的问题而导致投资亏损。

英文：

What is the fixed investment of currency funds? It refers to investing a fixed amount of money in a currency fund at fixed intervals, and using the stable income characteristics of the currency fund to reduce investment risks and achieve long-term asset appreciation.

The advantages of fixed investment of currency funds are its simple operation, low risk, and stable returns. Investors only need to choose a currency fund, set up a fixed investment plan, and it can be automatically invested without the need to constantly monitor market conditions. At the same time, as currency funds are mainly invested in low-risk assets such as short-term bonds and deposits, their returns are relatively stable and will not experience significant losses due to market fluctuations.

Fixed investment of currency funds is suitable for investors with some idle funds and is sensitive to risks. Through regular fixed investment, investors can reduce investment risks while achieving long-term asset appreciation. In addition, it is also a good choice for investors who are not familiar with investment products such as stocks and bonds.

It should be noted that although the risk of fixed investment of currency funds is relatively low, it does not mean that there is no risk. When selecting currency funds, investors should pay attention to the fund's performance, management team, operational status, etc., to avoid investment losses caused by problems with the fund itself.