1, fund companies are stronger, with a scale of at least 1000 billion.
2. The size of the fund shall not be less than 200 million.
3. The tracking error rate of the fund should be low, which can be compared with other funds.
4. It has been established for not less than three years.
The lower the cost, the better.
Then choose which index fund to invest in, and then make a fixed investment plan.
First, you have to determine the amount you can invest. This amount must be spare money, which will not be used for three to five years. Don't invest all your money just because index funds are good. As a result, you needed money halfway, so you sold the index fund. This is very undesirable.
So how to calculate this fixed investment amount? For example, Xiaohong, a 25-year-old office worker, earns 5,000 yuan a month and spends 3,000 yuan a month. If there is commercial insurance, such as 6000 yuan a year, divide the insurance premium by 12 and allocate it to each month, and deduct it from the monthly salary. Then Xiaohong's monthly investment amount is 5000-3000-(6000/12) =1500.
Then you need to determine your own risk coefficient, that is, evaluate your own risk tolerance. As we get older, our ability to take risks will become lower and lower. 25-year-olds can objectively take more risks than 75-year-olds. The younger you are, the more time you have, and the more opportunities you have to start over.
There is a simple formula to calculate your risk tolerance in one second, that is, subtract your current age from 100, and this number is your risk tolerance. Then Xiaohong's monthly fixed investment amount is1500 * 0.75% =1125 yuan.
Of course, there are other situations, such as a targeted fixed investment plan, such as investing in an education fund for your daughter, or investing in a pension for yourself, in order to preserve and increase the value of your assets, then the calculation method is different. You can trust me privately if you are interested. I'll calculate it for you according to your situation.
In addition, it is necessary to determine the fixed investment period. In fact, according to the daily, weekly, biweekly and monthly fixed investment, the final income is similar. Therefore, it is recommended to set the fixed investment date as the day when you pay your salary. In this way, you can also control yourself to buy in buy buy.
Then after the fixed investment! You may encounter all kinds of demons to hinder your fixed investment plan. For example, if you see that others earn more from buying stocks than you do, you want to give up your fund to buy stocks, but I suggest you not to touch things you don't understand. There is a saying circulating in the stock market that you are so sure that you don't know how to analyze financial reports and research reports. Can you beat others and become a winner?
There is also the inability to persist for a long time, and it is easy to withdraw money from the fund account. This is a big no-no for fixed investment. If so, you won't see the effect of compound interest.
Some people are happy when they see the rise, and anxious when they see the fall. The fluctuation of the stock market is inevitable, and the ups and downs are normal. We understand that the stock market rise can make us earn more now, but for those of us who invest in index funds, the decline can make us buy cheaper and reduce the holding cost of index funds, so as to earn more in the future. It is actually beneficial for us to treat the stock market fluctuations rationally and realize the ups and downs. If it goes up, it will earn immediate income, and if it goes down, it will grab the entrance.