Fund fixed investment is not suitable for everyone. It is mainly suitable for investors with no investment experience and investors who do not have time and energy. To put it simply, fund fixed investment is just to find an average of the net value of long-term fund units, and it is not an effective operation following the market.

So is it better to invest in a fund every month or every week? But the fact is that there is no good or bad. It mainly depends on your precise requirements for this average value. In other words, choosing a small customization period requires a small variance, while a large period is the opposite.

For example, if you choose monthly fixed investment, if the net value of a certain fund rises sharply within a month, you will miss the time to add positions at low points and miss the profit point.

As for weekly fixed investment, the net value of a certain fund unit will continue to fall, and frequent fixed investment increases will increase the position, and the cost will be more inclined to the middle level of the entire fixed investment cycle, which is not conducive to profit-making sales in the later period. For example, if you continue to buy when prices are rising, you may buy at a high point and limit your profits.

If you want to calculate the average more accurately, you can choose weekly fixed investment. However, if you analyze it from the perspective of long-term investment of three to five years, it is more recommended to choose monthly fixed investment. The average value is not so accurate. When you need to sell, The profit potential is large.

Fund fixed investment is suitable for investors who have long-term and stable spare money, can withstand the impact of negative returns, and have a certain understanding of the investment market.

Is it better to invest in funds monthly or weekly?

This still needs to be treated differently according to the type of fund you invest in.

There are many types of funds, including bond funds, stock funds, hybrid funds, index funds, and currency funds.

Risk level: stock funds, index funds, hybrid funds, bond funds, currency funds

If you invest in currency funds or bond funds, there is almost no risk. Just make a single purchase directly. So whether you invest every day, every week, or every month, you can do it. The advantage of fixed investment funds and one-time investment is to spread risks and dilute costs. When the market is at the bottom or fluctuating, it is appropriate to increase fixed investment and spread the cost equally; when the market is rising or at the top, it is appropriate to gradually sell at a profit and lock in profits.

If you invest in stock funds or hybrid funds, risks are directly proportional to returns and fluctuate greatly with the capital market. If the frequency of fixed investment is too high, the price difference between each purchase cannot be widened. On the contrary, the higher the fluctuation range of long-term fixed investment, the more suitable it is for making price differences, the effect of diluting costs will be more obvious, and the income will be greater. At this time, it is recommended that you use monthly fixed investment.

Generally speaking, when making fixed investment funds, it is recommended to choose from hybrid, stock, and index types. Generally, 3-5 funds are selected. If you choose too many, you will not be able to keep up with your time and energy. Among funds within the same category, if you choose funds with better performance and better sustained returns, you will get better returns. When the market drops sharply, you can consider changing from monthly fixed investment to weekly fixed investment, or from mixed products to index products.

There are many fixed investment calculators on the Internet. You can choose the fund you like and backtest it yourself.

Everyone knows that whether buying stocks or funds, there is a problem of timing, and timing is the most difficult thing in investing. . There is a saying on Wall Street: "It is more difficult to accurately enter the market than to catch a flying knife in the air." As an ordinary investor, he knows very little about financial knowledge and the securities market. It is necessary to make accurate choices. It's even more difficult. However, fund fixed investment can weaken the point of entry into the market. Through regular fixed-amount purchases and an average purchase cost, the risk of buying at a high point is avoided, and we strive to buy at an average price at a certain stage.

Fund fixed investment can be made on a monthly, weekly or daily basis. In the long run, the returns from these methods are not much different. For investors, fixed investments must be made on a monthly basis at least. If fixed investments are made once every quarter or half a year, it will be difficult to smooth the investment curve. At the same time, the stock market often changes rapidly. Maybe in this quarter, the fund will fall sharply for a month or two, and then rebound to the initial value. If you can buy a large number of low-priced chips in the month of big decline, you can get more profits once the market goes bullish.

If funds permit, investors can further increase the frequency of investment, such as weekly or daily.

Of course, everything is subject to your own capital allocation.

I have also had questions about this question. To determine the answer to this question, we must first understand the basic principles of fund fixed investment.

The principle of fund fixed investment is that through long-term fixed amount and installment investment, the investment cost can reach its mathematical average as much as possible, thereby obtaining the average cost advantage. Once the net value of the fund exceeds the average cost, we will obtain positive returns. .

Based on this principle, I believe that when it comes to fund fixed investment, the shorter the period, the closer the average cost is to its mathematical average. Therefore, weekly fixed investment is better than monthly fixed investment, and daily fixed investment is better than weekly fixed investment. If it is Quarterly fixed investment or annual fixed investment is meaningless.

In the past, we all chose weekly fixed investment or monthly fixed investment, mainly because manual fixed investment was time-consuming and laborious. Now fund fixed investment is basically automatically entrusted with deductions, and the minimum investment amount can be up to 10 yuan. Therefore, the investment cycle can be considered Set up a small amount of daily fixed investment to replace the large amount of weekly or monthly fixed investment.

Considering the rate of return, the rate of return of monthly fixed investment is slightly higher than the rate of return of weekly fixed investment; but the more important thing about investment is to overcome the weaknesses of one's own character. Therefore, the rate of return of fixed investment of fund is monthly. Whether it is better to invest every week or not, you must first consider your own personality and investment habits, and secondly consider the rate of return at different frequencies. After all, there is not much difference in the rate of return gained from fixed investment using any method.

The return rate of a fund’s fixed investment is greatly affected by the start date and duration of the fixed investment. Taking the redemption date of the fixed investment as January 1, 2020 as an example, during this period it has experienced For the big crash of the stock market, the representative CSI 300 and GEM were selected for backtesting in 3 years, 5 years and 7 years respectively. Taking the fixed investment redemption date as May 1, 2015 as an example, during which the stock market experienced a bull market, the representative CSI 300 was selected for backtesting in 3 years, 5 years and 7 years respectively.

(1) The fixed investment redemption date is January 1, 2020

1. Take the CSI 300 as an example

The scheduled investment will start on January 1, 2017 and will last for 3 years. A fixed investment of 500 yuan per week, a fixed investment rate of return of 15.24%; a fixed investment of 1,000 yuan every two weeks, a fixed investment rate of return of 15.27%; a fixed investment of 2,000 yuan per month, a fixed investment rate of return of 15.78%.

Fixed investment will begin on January 1, 2015 and will last for 5 years. A fixed investment of 500 yuan per week, a fixed investment rate of return of 24.45%; a fixed investment of 1,000 yuan every two weeks, a fixed investment rate of return of 24.50%; a fixed investment of 2,000 yuan per month, a fixed investment rate of return of 25.41%.

Fixed investment will begin on January 1, 2013 and will last for 7 years. A fixed investment of 500 yuan per week, a fixed investment rate of return of 56.04%; a fixed investment of 1,000 yuan every two weeks, a fixed investment rate of return of 56.06%; a fixed investment of 2,000 yuan per month, a fixed investment rate of return of 56.91%.

Through backtesting of the CSI 300, the largest difference in income between monthly fixed investment and weekly fixed investment is that the fixed investment period is 5 years, with a difference of 0.96%, but overall, , the lower the frequency of fixed investment, the higher the rate of return.

2. Take GEM as an example

Fixed investment will start on January 1, 2017 and will last for 3 years. A fixed investment of 500 yuan per week, a fixed investment rate of return of 8.79%; a fixed investment of 1,000 yuan every two weeks, a fixed investment rate of return of 8.80%; a fixed investment of 2,000 yuan per month, a fixed investment rate of return of 8.99%.

Fixed investment will begin on January 1, 2015 and will last for 5 years. A fixed investment of 500 yuan per week, a fixed investment rate of return of -2.68%; a fixed investment of 1,000 yuan every two weeks, a fixed investment rate of return of -2.55%; a fixed investment of 2,000 yuan per month, a fixed investment rate of return of -2.02%.

Fixed investment will begin on January 1, 2013 and will last for 7 years. A fixed investment of 500 yuan per week, a fixed investment rate of return of 5.41%; a fixed investment of 1,000 yuan every two weeks, a fixed investment rate of return of 5.89%; a fixed investment of 2,000 yuan per month, a fixed investment rate of return of 6.68%.

Through backtesting on GEM, the biggest difference in income between monthly fixed investment and weekly fixed investment is that the fixed investment period is 7 years, with a difference of 1.27%. However, overall, The lower the frequency of fixed investment, the higher the yield.

(2) The redemption date for fixed investment is May 1, 2015

1. Take the CSI 300 as an example

The scheduled investment will start on May 1, 2012 and will last for 3 years. A fixed investment of 500 yuan per week, a fixed investment rate of return of 100.84%; a fixed investment of 1,000 yuan every two weeks, a fixed investment rate of return of 100.60%; a fixed investment of 2,000 yuan per month, a fixed investment rate of return of 101.84%.

Fixed investment will begin on May 1, 2010 and will last for 5 years. A fixed investment of 500 yuan per week, a fixed investment rate of return of 92.94%; a fixed investment of 1,000 yuan every two weeks, a fixed investment rate of return of 93.230%; a fixed investment of 2,000 yuan per month, a fixed investment rate of return of 93.63%.

Fixed investment will begin on May 1, 2008 and will last for 7 years. A fixed investment of 500 yuan per week, a fixed investment rate of return of 91.89%; a fixed investment of 1,000 yuan every two weeks, a fixed investment rate of return of 91.89%; a fixed investment of 2,000 yuan per month, a fixed investment rate of return of 92.75%.

Through backtesting of the CSI 300, the largest difference in income between monthly fixed investment and weekly fixed investment is that the fixed investment period is 3 years, with a difference of 1.00%, but overall, , the lower the frequency of fixed investment, the higher the rate of return. However, there are special cases where the rate of return of three years of fixed investment every week is higher than that of three years of fixed investment every two weeks.

It can be seen from the above analysis that whether you start fixed investment at the top of the bull market or at the bottom, the overall return rate of monthly fixed investment is higher than the return rate of weekly fixed investment, but the difference is not big. Therefore, the choice of fixed investment frequency must first be considered based on your own personality, habits and actual situation. Secondly, it is recommended to choose monthly fixed investment. What is fund fixed investment? It is the abbreviation of regular fixed-amount investment fund, which refers to investing in a designated open-end fund at a fixed time and a fixed amount, just like a bank's small deposit withdrawal business. It is also known as "small investment plan" or "lazy man's finance".

In terms of time cost, monthly fixed investment is definitely more time-consuming and labor-saving than weekly fixed investment, because monthly fixed investment only needs to be done once a month, and weekly fixed investment is one month. It takes 4 operations. With the time and energy saved, you can think about other things.

In terms of yield, generally those with short cycles have lower returns. For example, weekly fixed investment is shorter than monthly fixed investment, but more flexible. From the perspective of long-term investment, monthly and weekly are actually short cycles, and the difference in income will not be too big.

In terms of investment types, this is the most critical. Buffett, the stock god, said: Investing is both a sport and an entertainment for me. I like to "capture rare fast-moving elephants" by finding good prey.

This illustrates the importance of selecting fund species. Under the current circumstances, which fund should we choose? Generally speaking, the following three types of funds are more suitable, namely stock funds, hybrid funds and index funds.

Stock funds. At present, the market index is around 2800 points, which is in a value depression. The investment opportunities outweigh the risks. You can invest in some stock funds.

Hybrid funds. In fact, this is also a stock-oriented fund. Under the current situation where the risk of stock decline is not great, you can choose good varieties and control your positions within a certain proportion.

Index funds. This type of fund follows the pace of market changes and is a passive fund with low holding costs and good liquidity. It can be appropriately allocated and held for a period of time to receive better returns.

Hello friends, this problem also depends on factors such as human factors and the amount of funds.

From a purely investment perspective, of course, every week is better than every month, and every trading day is better than every week. It is investment, and it also involves many aspects such as the amount of funds and the energy of investors. Therefore, choose the best one according to your own situation.

First of all, let’s have a deep understanding of the principles of fixed investment in order to lay the foundation for the next step of analysis:

1. Fund fixed investment, in the words of ordinary people: it is a fixed time and a fixed amount of funds. , investment funds in installments.

2. Investing quantitative funds in installments and purchasing funds can avoid one-time lock-in, help to spread costs, and reduce human interference and other factors.

Summary: From the perspective of fixed investment principles, the more detailed the time period, the better. Weekly fixed investment, compared to monthly fixed investment, is more conducive to amortizing costs and spreading risks. More advantages.

Secondly, let’s understand why we should choose the best according to our own situation:

1. Everyone’s energy is limited. Fund fixed investment can even be invested every second. Obviously, in practice, people cannot achieve such continuous investment. Most fund investors have other jobs and therefore choose a reasonable time period that is more balanced.

2. Restricted by factors such as the amount of funds. If the amount of funds is small, such as 1,000 yuan or 100 yuan, too detailed a fixed investment will not be worth the loss. After all, in addition to time and energy, there are other investments and expenses.

3. From a practical point of view, weekly or monthly fixed investment is more suitable for most investors. All aspects are relatively balanced, and it is conducive to freeing up spare time and facilitating the connection of funds.

Summary: Taken together, if conditions permit, you can give priority to weekly fixed investments, and monthly fixed investments are also good choices.

To sum up: From a purely investment perspective, the more detailed the fund's fixed investment, the better, and weekly investment should be stronger than monthly investment.

However, you must also consider factors such as your own time, energy, and amount of funds. After all, most fund investors have certain jobs. Therefore, if possible, weekly is preferred, followed by monthly, which is also a good plan. Combined with medium and long-term holdings, rolling cycle operations, and stop-profit and stop-loss, it is more conducive to investment funds and wealth accumulation.

General fund fixed investment frequencies include: once a month, once every two weeks and once a week. If you look at the income alone, which one is better? Which one has less risk? Past data backtests tell us that the answers are not much different, so there is no need to worry about which fixed investment frequency to choose.

But from the perspective of fixed investment in funds, the effect of fixed investment once every two weeks will be more suitable for everyone. The reasons are as follows:

Fixed investment once a week Relatively speaking, the frequency of fixed investment once a week is too high. What our fixed investment fund pursues is to earn compound interest with peace of mind. If it is once a week, You can't help but understand the market every week, and your personal emotions are easily affected by the market. In this way, the meaning of fixed investment is lost.

Regular investment once every two weeks. Because regular investment once a month will make you worry about missing the market, and regular investment once a week will make you nervous. The most reassuring thing is to choose a compromise method and choose every two weeks. Fixed investment once, neither too frequent nor need to worry about one-time investment.

In fact, the fixed investment effects of the three methods are not very different. The main difference is that they can make you feel more at ease.

If you want to increase your fixed investment income, you can consider a regular and non-quantified operation method, which is also a fixed investment once every two weeks, and each investment can be strategic, such as the moving average method or the valuation method. , the lower it falls, the more you buy, thereby increasing your final fixed investment income.

So the frequency of fixed investment is not a big issue, the method of fixed investment is more important!

There is no difference in the fixed investment date of the fund in the long run. Why do you say this? Because the fixed investment time itself is extended for comparison, so there is almost no difference.

Hello, Futures Xiaochu, as a so-called old man who has been engaged in the financial industry for more than ten years, has been exposed to fund investment in 2006 and has many years of financial management and investment experience. At the same time, as a national financial planner, I would like to briefly answer this Question

First understand the concept of fund fixed investment

Fund fixed investment is the abbreviation of regular fixed-amount investment fund, which means to invest a fixed amount (such as the 8th of each month) at a fixed time. For example, 500 yuan) is invested in a designated open-end fund, which is similar to the bank's small deposit withdrawal method. What people usually call funds mainly refers to securities investment funds.

The value of fund fixed investment is due to a saying circulating on Wall Street: "It is more difficult to enter the market at an accurate point than to catch a flying knife in the air." If you adopt the batch buying method, This overcomes the shortcoming of only choosing one time point to buy and sell, and can balance costs and make yourself in an invincible position in investment, that is, the fixed investment method.

Generally speaking, there are two ways to invest in funds, namely single investment and regular fixed amount. Because the fund's "fixed investment" has a low starting point and a simple method, it is also called a "small investment plan" or "lazy man's financial management."

Secondly, let’s understand the advantages of fund fixed investment

It is difficult for ordinary investors to grasp the correct investment timing at the right time. They may often buy at the high point of the market and sell at the low point of the market. . With the fund's regular fixed-amount investment method, no matter how the market fluctuates, a fixed amount is invested in the fund on a fixed day every month, and the bank automatically deducts the funds and automatically calculates the number of fund shares that can be purchased based on the net value of the fund. In this way, investors' funds for purchasing funds are invested on schedule, and the cost of investment is relatively average.

The procedure is simple

For regular fixed-amount investment funds, investors only need to go to the fund agency to go through one-time procedures. After that, the deduction and subscription for each period will be automatically carried out, usually on a monthly basis. , but there are also other time limits such as half-month, quarter, etc. as the regular unit.

Save time and effort

After handling the fund fixed investment, the agency will automatically withhold the corresponding funds on each fixed date for fund subscription. Investors only need to ensure that the funds in their bank cards are You only need to have enough funds, which saves you the time and energy of going to a bank or other agency.

Regular investment

Investors may have some idle funds every once in a while. The investment appreciation (and possibly value preservation) through the regular fixed-amount fund investment plan can "gather sand" "Chengqiu" has unknowingly accumulated a considerable amount of wealth, and its strong backing is the current increasingly rapid development of China's economy.

There is no need to consider the time point

Investors can invest in the market through the "fixed investment plan". They do not need to care about the time of entry, do not need to care about the market price, and do not need to change the long-term due to short-term fluctuations. investment decisions.

Average investment

Funds are invested in installments, and the cost of investment varies from high to low. The long-term average is relatively low, so investment risks are dispersed to the maximum extent.

Compound interest effect

The income of the "fixed investment plan" is the compound interest effect. The interest generated by the principal is added to the principal to continue to derive income. Through the effect of interest compounding, as time goes by , the compound interest effect is more obvious.

The procedure is convenient and fast

The third return to this question is "Is it better to invest in funds every month or every week? Why?"

Fixed investment in funds is suitable for those who have long-term stability. Investors who have spare money, can withstand the impact of negative returns, and have a certain understanding of the investment market participate.

1. If the market is in an upward trend, it is recommended to choose weekly fixed investment, because when the market is in a listing trend, the price of the same fund will be more expensive as time goes by, so the frequency of weekly fixed investment Lower prices can be obtained and investment costs can be reduced.

2. If the market is in a stage of repeated fluctuations, it means that the fund trend is not clear, then investors can choose weekly or monthly fixed investments according to their needs.

3. If the fund is in a trend of falling first and then rising, it is relatively more cost-effective to adopt monthly fixed investments during the falling stage, because the earlier the fund is bought, the more expensive it will be and the higher the cost will be.

However, from a practical perspective, because most individual investors are non-professionals, it is difficult to accurately grasp market trends.

Moreover, the purpose of the fund's fixed investment itself is to dilute costs through multiple investments and smooth out fluctuations in the process. Excessive pursuit of short-term interests is also inconsistent with the original intention of the fund's fixed investment. Therefore, in the long run, how often a fund invests in fixed investment has little impact on the expected return of fixed investment.