With the current market turmoil, the most suitable investment method is to choose fixed investment funds, which have the following benefits: Features and advantages 1. Average cost, risk diversification

It is difficult for ordinary investors to grasp it in a timely manner The correct investment time may often be to buy at a high point in the market and sell at a low point in 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.

For example, if you invest 100 yuan in an open-end fund every two months, and you invest 6 times in a year, the total amount is 600 yuan, each time you invest, the fund's The subscription prices are 1 yuan, 0.95 yuan, 0.90 yuan, 0.92 yuan, 1.05 yuan and 1.1 yuan respectively, then the number of shares you can purchase each time are 100, 105.3, 111.1, 108.7, 95.2 and 90.9 respectively. shares, the cumulative number of shares is 611.2, the average cost is 600÷611.2=0.982 yuan, and the return on investment is (1.1×611.2-600)÷600×100%=12.05%, compared with 1 yuan at the beginning It is better to invest 600 yuan at the subscription price and get an investment return rate of 10%. (Note: Fund investment is risky. Past examples are for reference only and do not imply or guarantee the rate of return on fund investment.)

2. Suitable for long-term investment

Since the regular quota is divided into For batch investment, when the stock market is consolidating or falling, since the regular quota is taken in batches, the more you buy, the cheaper it is. The return on investment after the stock market rebounds is better than a single investment. For the Chinese stock market, the long-term trend should be volatile and rising, so regular quotas are very suitable for long-term investment and financial planning.

Results of a survey of Taiwanese investors by Morgan Stanley Investment Consulting Co., Ltd. show that about 30% of investors choose regular fixed-amount investment funds. Especially among those aged 31-40, as high as 36% are engaged in this investment. A survey on investor satisfaction with investment tools shows that the satisfaction level of investors who buy and sell Taiwan stocks is 39.5%, the satisfaction level of those who purchase Taiwan funds in a single transaction is 55%, and the satisfaction level of those who invest in overseas funds in a single transaction is 52.5%. The satisfaction rate of fund investors is as high as 53.2%, which further shows that investors prefer investment targets with low volatility and the pursuit of medium and long-term stable value-added investment targets.

3. More suitable for investing in emerging markets and small stock funds

Medium and long-term regular fixed investment performance of emerging markets or small stock overseas funds with high volatility, due to the short time for stock market corrections The stock market is longer and slower, but the rising speed of the stock market is faster. Investors can often accumulate more fund shares when the stock market falls, and thus can obtain better investment returns when the stock market rebounds. According to Lipper Fund information, as of the end of June 2005, investors who have continuously invested in any emerging market or small company stock fund in the past three years have an average return rate of at least 23%.

4. Automatic deduction and simple procedures

For regular fixed-amount investment funds, investors only need to go to the fund agency to go through a one-time procedure, and then the deduction and subscription for each period will be automatically carried out. , usually in monthly units, but there are also other time limits such as half-months, quarters, etc. as regular units. In comparison, if you buy funds by yourself, investors need to go to the agency in person to complete the procedures every time. Therefore, regular fixed-amount investment funds are also called "lazy people's financial management skills", which fully reflects their convenient characteristics.

Advantages of regular fixed-amount investment

First, regular investment makes more money. Investors may have some idle funds every once in a while. By purchasing targets through a regular fixed investment plan for investment appreciation, they can "gather sand into a hill" and accumulate a considerable amount of wealth without knowing it.

Second, there is no need to consider the timing of investment. The key to investing is to "buy low and sell high", but few people grasp the best buying and selling points to make profits when investing. In order to avoid this kind of human subjective judgment error, investors can invest in the market through a "fixed investment plan" , there is no need to care about the time of entry, no need to care about market prices, and no need to change long-term investment decisions due to short-term fluctuations.

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

Fourth, the compound interest effect is considerable in the long term. The income from the "fixed investment plan" is a compound interest effect. The interest generated by the principal is added to the principal to continue to derive income. Through the effect of compound interest, the compound interest effect becomes more obvious as time goes by. The compound interest effect of fixed investment takes a long time to fully manifest, so it should not be terminated casually due to short-term market fluctuations. As long as the long-term prospects are good, the short-term market decline is an opportunity to accumulate more cheap units. Once the market rebounds, the long-term accumulated units can be profited at once.

Fifth, the procedures are convenient and fast.

At present, ICBC, Bank of Communications, China Construction Bank and Minsheng Bank have opened fund fixed investment business. It is worth mentioning that the entry threshold for fund fixed investment is relatively low. For example, the fixed investment business of ICBC requires a minimum monthly investment of 200 yuan. Fixed investment in funds is available. Investors can conduct all transactions such as fund subscription and redemption online, bind the fund account to the bank capital account, set the subscription date, amount, term, fund code, etc. to conduct regular fixed investment in the fund. At the same time, online banking also has many functions such as fund account inquiry, fund account balance inquiry, net worth inquiry, and change of dividend method, so that investors can easily complete investments. What kind of people is fixed investment suitable for?

1. Young earners: Since fund fixed investment has two major functions: investment and savings, you can leave daily living expenses after your salary is paid, and part of the remaining funds can be invested in fixed investment to "force "Save your own money and develop good financial management habits!

2. Office workers who receive a fixed salary: After most office workers’ salary income has been used to cover daily expenses, the balance is often small, so small regular fixed-amount investments are most suitable. And since most office workers do not have a high level of investment and cannot accurately judge the timing of entering and exiting the market, through fixed investment funds, this tool can steadily achieve asset appreciation!

3. There will be special (or large) financial needs at some point in the future: for example, a down payment for a house in three years, a fund for children to study abroad in twenty years, or even thirty years. Later, your own retirement pension fund and so on. When it is known that there will be a large demand for funds in the future, raising it in advance through regular small investments will not only not cause a daily financial burden on oneself, but also allow a small amount of money every month to easily turn into a large amount of money in the future.

4. Those who do not like to bear excessive investment risks: Since regular fixed-amount investment has the advantage of a weighted average investment cost, it can effectively reduce the overall investment cost, reduce the risk of price fluctuations, and then make steady profits. The best tool for long-term investors to be optimistic about the market in the long term.

Choose the right time

Although funds are the best way for small investors to participate in the profit growth of the stock market, not every fund is suitable for regular fixed-amount investment. Choose the right investment goal Only in this way can we create excellent returns. First of all, fixed-income instruments such as bond funds are not suitable for regular fixed-amount investment. It is recommended that stock funds be first considered for regular fixed-amount investments.

Secondly, when making regular fixed-amount investments, you should choose a market with an upward trend. Markets that are oversold but have good prospects are most suitable for starting regular fixed-amount investments. Investing in markets that are experiencing an upward economic cycle and are currently consolidating at the bottom. Avoiding chasing highs is the only way to create profits and principal security. Therefore, as long as the long-term prospects are promising, it is most worthwhile to start regular fixed-amount investments in short-term short-term markets.

3. Choosing the right fund

Whether to choose a fund with greater volatility or a relatively stable fund is an issue that must be considered when investing in fixed amounts. Funds with greater volatility have a greater chance of accumulating more low-cost shares during periods of declining net worth, and can quickly make profits when the market rebounds. However, if the deduction starts at a high point and unfortunately hits a low point when redeeming, then even regular fixed quotas to diversify entry risks cannot increase profits.

Funds with stable performance have small fluctuations and generally do not encounter the problem of redemption at low points. However, the relative average cost will not drop too much, and the profits will be relatively limited.

In fact, the time compound interest effect of regular fixed-amount long-term investment diversifies the short-term risks of long and short stock markets and fluctuations in the net value of funds. As long as the principle of long-term deductions can be adhered to, choosing funds with larger fluctuations can actually increase returns. Profitable, and the long-term return rate of higher-risk funds should be better than lower-risk funds. Therefore, if the longer-term financial management goal is more than five years to ten or twenty years, you may wish to choose a fund with greater volatility, and if Is it a goal within five years, it is better to choose funds with relatively stable performance.

4. How to determine the fixed investment amount

It varies from person to person and should be judged according to the specific situation! Under normal circumstances, after paying monthly wages and deducting necessary expenses, 40%-60% of the remaining funds can be used for fund fixed investment. After all, fund fixed investment is a long-term investment, and future income and expenses need to be considered and taken care of!

5. It is important to evaluate the redemption time

It is important to determine the redemption time when investing in funds on a regular basis. If the market happens to crash and the net value of the fund drops sharply, the effect of patiently accumulating single digits will be greatly reduced.

Therefore, regular fixed-amount investments should be planned properly. For long-term funds such as accumulated retirement funds, you should start paying attention to the timing of redemption three years before retirement age. And even if it is only half of the investment period, you still need to pay attention to the market growth and make adjustments. For example, if you originally planned to invest for five years, but after three years of deduction, the market is already at a high level, and the market will enter another short cycle, it is best to take profits first, so as not to hit the bottom of the short market when you face demand for funds.

To take profits, you can make good use of partial redemption and timely conversion. After starting the regular quota, if you have to temporarily terminate the contract to cash out, or the market is at a high level, and you cannot judge the long or short direction of the subsequent trend, you do not need to redeem all the units at once. You can redeem some units to obtain funds, and you can keep the other units until the trend trend Decide when it becomes clear. If the market trend changes, you can switch to another market that is in an upward trend and continue to invest regularly.

Once you start investing in appropriate funds at regular intervals, you don’t have to worry about short-term ups and downs.

6. Develop efficient investment strategies

There is still a certain difference between regular fixed amounts and monthly "fixed savings". You can make use of various flexible investment strategies to improve investment efficiency.

1. Choose different funds with long-term and short-term goals

For example, if you want to raise a fund of 300,000 yuan for your children to study abroad, it is more suitable to choose a stable fund; but if the investment period is extended, With a low monthly investment amount, you can appropriately allocate the investment proportion of active and stable funds to obtain greater returns.

2. Adjust the investment amount based on financial ability

As the employment period lengthens and the income increases, the total monthly investment amount of an individual or family will also increase. Timely increasing the monthly deduction limit is also a way to shorten the investment period and improve investment efficiency.

3. It is necessary to reconsider the contents of the investment portfolio after reaching the preset goals

Although it takes a long time for regular fixed-amount investment to show the best benefits, if the investment return is really within the expected Assuming that the investment period has been achieved, you may wish to check whether the contents of the investment portfolio need to be adjusted. Regular fixed amounts are not just monthly deductions. Using simple and flexible strategies can make your investment more efficient and achieve your financial goals as soon as possible. Novices can buy, sell or invest in funds by bringing their ID card to a securities company or bank account. Currently, there are three main channels for buying and selling open-end funds. The cheapest is on-site trading:

Securities company open-end funds , index funds, closed funds, LOF funds, stocks, warrants, bonds, all can be bought and sold, there are more than 590 kinds of open-end funds,

One. Bank subscription: It is the worst way to buy and sell funds: the front-end fee is a subscription fee of 1.5%, the redemption fee is 0.5%, and the back-end fee is a redemption fee of about 2%, but that is for a holding period of no more than half a year. , the redemption fee is charged on an annual basis, and is generally waived if held for more than 3 years. Each bank can purchase about 100 types of funds, and it takes 4-7 days for the money to arrive, which is a long time. Maybe the market has changed and you want to subscribe again, but the money has not arrived. It is the worst way to buy and sell funds.

Two. Go directly to the fund company to subscribe online: the subscription fee is 1.5% and you can get a 40% discount, and the redemption fee is 0.5%. Each fund company can purchase its own funds and must register with multiple fund companies online. After opening online banking, it will take 4-7 days for the money to arrive when redeeming, which is a long time. Maybe the market has changed and you want to subscribe again, but the money has not arrived. Opening online banking and registering with multiple fund companies online is troublesome and a poor method of buying and selling funds.

Three. Open a securities account, sit at home, and subscribe online without going to the bank. Buying funds from securities companies: 0.3% subscription fee for buying and 0.3% redemption fee for selling. Open-end funds such as: Southern Active Allocation, Southern Gaozeng Guangfa Small Cap Fund, you can also buy index funds, which are 8 ETF funds, such as : E Fund Shenzhen 100 ETF, China AMC SSE 50, AIA Dividend ETF, the advantage is that the cost is low, the handling fee for buying and selling funds in securities companies is 0.3%, no stamp duty is required, funds arrive quickly, are immediately available, and can be used immediately, which can avoid redemption 4- After 7 days of waiting, use your securities account to subscribe for new funds, and the subscription fee will be returned to investors.

At present, the market is in turmoil, and the better varieties of funds suitable for on-site trading mainly include Industrial Trend, China Blue Chip, China Industry, Southern 500 and other varieties. For fixed investment in banks, you can choose China Dividend, Harvest Theme, Varieties such as Huashang Shengshi are suitable for investors who pursue sound investment.