as long as the investment method is correct, you are sure to make money. \xd\ The best way for low-paid young people to manage their finances: buy funds on a regular basis \xd\ Young people who have just started to work have a low income, and rely on the monthly savings of 1,8 yuan. However, professional financial planners believe that although the monthly savings are not much, if you choose appropriate investment tools and investment methods, you can not only cultivate financial management habits, but also accumulate a lot of wealth. \xd\ The so-called fixed-term fund purchase refers to a long-term investment method in which investors agree on the monthly deduction time and amount, and sales organizations (including banks and brokers) automatically complete the deduction and fund subscription application from the investor's designated fund account on the agreed date of each month. \xd\ This fund investment method, first of all, young people don't have time to manage their money, and "fixed deposit" is similar to "lump sum withdrawal", as long as they go to the bank or securities business department for one time. \xd\ Secondly, many young people know little about the securities market, and investing in funds by regular quota can average the cost and spread the risks. \xd\ Finally, because many young people need to spend more items, their monthly savings are not large and unstable, and the threshold of the fixed-term plan is very low. Generally, the starting point is 1 yuan -3 yuan, which can be deducted monthly, bimonthly or quarterly, which will hardly bring them extra pressure, and even make small money into big money to meet the future demand for large funds. And you can develop good financial habits. \xd\ Case \xd\ Because regular fixed investment is to invest in the fund with a fixed amount at a fixed time interval. Generally, you don't care about the time of entry. \xd\ For example, if 1 yuan invests in an open-end fund every two months, the total amount of investment will be 6 yuan for six times in one year, and the subscription price of the fund for each investment will be 1 yuan, .95 yuan, .9 yuan, .92 yuan, 1.5 yuan and 1.1 yuan respectively. Then the number of fund shares that can be purchased each time is 1, 15.3, 111.1, 18.7, 95.2 and 9.9 (without considering the subscription fee), and the return on investment is (1.1×611.2-6)÷6×1%=12.5%. \xd\ If you invest in 6 yuan at the subscription price in 1 yuan from the beginning, the return on investment will only be 1% when the net value of the fund reaches 1.1 yuan. Of course, if you invest once when the net value of the fund is .9 yuan, when the net value of the fund reaches 1.1 yuan, the rate of return will be 22.2%. The problem is that it is not easy to catch such a low point. \xd\ Buying funds in fixed amount on a regular basis is not only suitable for young people, but also suitable for investors with sustained low income in other age groups. However, it takes a long time for this investment method to be effective, and it is best to continue investing for more than three years. \xd\ According to a statistic simulated in Taiwan Province, as long as the fixed-term investment exceeds 1 years, the probability of loss is close to zero. Moreover, this "monthly deduction to buy funds" method allows young people who spend money like water to save a fixed sum of money every month without knowing it, compared with their own investment in stocks or the whole purchase of funds. \xd\ Investment Steps \xd\ The first step of the fund's fixed investment is to choose a low-cost and convenient bank. Many banks levy annual bank card fees and small account management fees. The fixed investment of the fund is a small long-term investment method similar to "zero deposit and lump sum withdrawal". If you can't choose a bank that is exempted in this respect, it is definitely not cost-effective to deduct these fees from time to time every year. Convenience is also a very important consideration. Investors can appropriately choose nearby outlets with high quality service. It is suggested that they should consider more banks that issue wages on their own behalf or handle wealth management business in peacetime. \xd\ Step 2, try to use fast personal online banking. The financial security of online banking has discouraged many investors, but most of the fixed investment funds do not need to open the online transfer function, so friends who are worried about this can rest assured. The fixed investment of funds in the banking channel can be accepted at the counter or online. Compared with the acceptance at the counter, online banking is convenient to inquire, and it is also very quick to modify the variety, amount, period, dividend distribution method and entrusted redemption of fixed investment. Many banks have opened free SMS notification service for account change, so it is suggested to customize SMS notification service when opening personal online banking. \xd\ Step 3, determine the types of funds suitable for fixed investment. In the past two years, more and more people know about funds, but many people do not distinguish bond funds and monetary funds with low risks from stock funds with large fluctuations, so the awareness of fund variety selection is not strong when making fixed investment. As a long-term disciplined investment, the fixed investment of the fund is conducive to reducing the average purchase cost of funds with large price fluctuations such as stocks, but has no obvious effect on bond funds and monetary funds with small volatility. Therefore, it is suggested that the fund should pay more attention to stock funds with large price fluctuations and avoid bond funds or monetary funds with small volatility. \xd\ The fourth step is to pay attention to the reputation and overall performance of the fund company. The fixed investment of the fund is a marathon investment. As the saying goes, "the horse power is known from afar", and the reputation of a fund company directly determines the size and sustainability of this horse power. If timing investment still allows opportunities for revision, and fixed investment itself is a disciplined investment to avoid too many human factors, we should carefully choose a reputable fund company from the beginning. The reputation of investors, the image and position in the industry, and the consistency of announcements and behaviors of fund companies when the market changes suddenly are all important signs to measure the reputation of a fund company. In addition, the overall performance of a fund company's funds, most of the products performed well, reflecting the fund company's overall high management level and group cooperation ability, which can also better explain that it is difficult for the company's products to have these black-box operations of interest transfer. \xd\ The fifth step, which is also the most critical step, is to define the goal and make long-term investment. Generally speaking, the goals of the fund's fixed investment are nothing more than the following: young people who have just entered the society are forced to save, accumulate real estate down payment or wedding expenses, the higher education fund or the first venture fund prepared by middle-aged parents for their children, and of course, it also includes housing exchange funds and pensions. These goals are all medium and long-term goals, but the market is changing and there are many temptations. It is very important to bite the castle peak and persevere. Since the fund has chosen to make a fixed investment, it has chosen not to choose the timing and not to distinguish the market environment from the very beginning, which is the charm of the fixed investment. Forget the price paid when buying, because always thinking about the price at the time of buying can easily form a psychological shadow, and eventually completely forget the original intention of the fund's fixed investment.