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Core Viewpoint - Intelligent investment is an advanced version of regular investment, focusing on automatic adjustment of investment amounts based on market conditions, rather than fixed amounts [3][4]. Group 1: Definition and Strategies of Intelligent Investment - Intelligent investment adjusts the investment amount according to market fluctuations, increasing the amount when the fund price drops and decreasing it when the price rises [3][4]. - Two main strategies of intelligent investment are: 1. Valuation Strategy: Invests only when the market is undervalued, avoiding investments when the valuation is not favorable [5]. 2. Moving Average Strategy: Increases investment when the price is below the moving average and decreases it when above, with a variable investment rate between 60% and 120% of the base amount [5][6]. Group 2: Comparison with Regular Investment - The key differences between intelligent and regular investment lie in: 1. Investment Method: Regular investment has a fixed amount, while intelligent investment adjusts based on market conditions [6][7]. 2. Profit Logic: Regular investment relies on passive averaging of costs, while intelligent investment actively optimizes buying at lower prices [8]. 3. Funding Requirements: Regular investment has a low threshold, while intelligent investment, especially with the moving average strategy, requires sufficient reserve funds to avoid failed transactions [9]. Group 3: Practical Considerations - There are two important rules for modifying intelligent investment agreements: 1. For the moving average strategy, modifications cannot be made from 15:00 the day before the deduction until 15:00 on the deduction day [10]. 2. For the valuation strategy, modifications are not allowed from midnight to 15:00 on the deduction day [10]. Group 4: Conclusion - While intelligent investment offers more sophisticated strategies than regular investment, consistent adherence to the investment plan is crucial for achieving cost-averaging benefits [11][12].