不少新手刚接触基金定投，就会听到"智能定投"这个词。 不知道它和咱们常说的普通定投有啥不一样，也分不清自己该选哪种。其实两者核心都是"定期投"，但智能定投多了点"自动调仓"的小聪明。 基金智能定投到底是什么？ 智能定投是普通定投的"进阶版"，核心是"不傻傻固定金额"。 普通定投是设定好金额后，每期都固定扣钱。而智能定投会根据市场情况，自动调整扣款金额——基金跌了就多扣，买更多份额；基金涨了就少扣，避免拉 高成本。 常见的智能定投主要分两种策略，各有特点，咱们逐一说说： 1. 估值策略：只在"便宜时"扣款 逻辑很简单：扣款日会先看对应指数的估值。 如果指数处于低估区间，就正常扣款；要是估值不达标（也就是不便宜），就不扣款。比如定投沪深300指数基金，只有沪深300估值低估时才扣钱。 优点是能减少"买贵"的概率，缺点是和普通定投差异不算大，不会有太明显的收益提升。 今天用大白话讲透：什么是智能定投、它有哪些策略，以及和普通定投的关键区别，新手看完直接能选对。 1. 扣款方式：固定金额vs灵活调整 普通定投：一旦设定好金额（比如每月1000元），系统就会每期固定扣钱，金额不会变； 智能定投：设定基础金额后，系统会根 ...

Group 1 - The article recommends several high-quality original public accounts in the fund investment field, emphasizing their valuable content and the investment methods and opportunities learned from them [1][2] - The accounts mentioned include "复来指数投资," which focuses on index fund investment and offers practical strategies such as intelligent investment strategies and industry rotation strategies [3] - "阡陌说" is highlighted for its data analysis and ability to discover lesser-known but excellent fund managers, providing clear and detailed articles [4] Group 2 - "投资闲记" is noted for its deep insights into value investing and index investment, sharing unique market perspectives and historical patterns [4] - "小鱼量化" presents a diversified investment system suitable for ordinary investors, focusing on low-cost, high-dividend, and convertible bond investments [5] - "懒人养基" promotes a long-term, steady, and value investment approach, encouraging research before buying and minimal management afterward [6]

Group 1 - The core idea of the event is to promote the advantages of ETF regular investment strategies to investors, emphasizing rational, value, and long-term investment concepts [1][7] - The event in Nanjing is part of the "ETF Lecture Hall" national tour aimed at educating investors about ETF products and investment strategies [7][8] - The deep exchange market has seen rapid growth in ETF products, with a total scale exceeding 1.1 trillion yuan as of June 2025, indicating a strong demand for innovative financial products [7][8] Group 2 - The ETF regular investment strategy is designed to address individual investors' pain points, enhancing their investment experience and providing stable long-term funding sources [2][3] - The strategy includes eight different regular investment options tailored to various risk preferences and investment scenarios, such as retirement and education [3] - The "打卡定投" nationwide investment education campaign has attracted over 16.5 million participants since its launch on May 15, showcasing the growing acceptance of the regular investment concept [3] Group 3 - Experts from financial institutions shared practical tips on using intelligent regular investment strategies to mitigate emotional interference and diversify investment risks [4] - The combination regular investment strategy allows investors to flexibly allocate funds across different markets and styles, reducing the impact of volatility [4][5] - The goal-oriented regular investment strategy helps investors set clear profit targets, enhancing stability and satisfaction in the investment process [5][6] Group 4 - The deep exchange market is a major hub for high-tech and strategic emerging industries, providing diverse investment opportunities through various ETF products [7][8] - Future initiatives will focus on promoting core ETF single product and combination regular investment strategies, enhancing investor education through various channels [8]