I believe that for many investors who invest in stock funds, this year will definitely be more difficult, because the performance of stock funds is not ideal, and it has already lost its glory last year. But this is a good time to accumulate more shares. Due to the decline of net worth in different degrees, fixed investment at this time can effectively reduce investment costs and gain more shares. If the market picks up in the future, it will get more returns and have obvious advantages.
Fixed investment is a long-term process, so we should be prepared for a "protracted war". Be patient in financial management. It is normal to encounter market fluctuations during this period. Don't terminate the fixed investment because of short-term market fluctuations. It is necessary to adjust the mentality, adhere to the fixed investment, and adjust according to the market trend.
Q: The stock fund invested two years ago lost at least 10%. Do you want to continue to invest in accumulated shares, or choose other types of funds to balance risks?
Good planner: In the face of the current loss situation of stock funds, we don't have to hang ourselves on a tree. If the performance has really exceeded the maximum loss we can bear, timely stop loss is also a strategy. No matter what kind of investment strategy, diversification is always correct. We shouldn't invest all our money in one fund or one type of fund, because the risk is too concentrated, but it is not good. We might as well supplement some money funds or bond funds in order to obtain stable expected annualized expected returns and diversify investment risks.
Q: I started to make a fixed investment at the end of 20 1 1, and it's almost three years now, but the expected annualized expected income makes me very sad. Now I doubt whether I can make money by investing.
Financial planner: Investors who started to make fixed investment in 2006 or even earlier have experienced the process of market decline, rise, and then fall to rebound, all of which are profitable. However, if they participate in the fixed investment after 2008, many of them are still losing money, but this cannot represent all of them. Whether the fixed investment can make money is not only inseparable from the economic cycle of the macro market, but also related to the performance of the selected investment fund.
If you can't grasp the macroeconomic trend, then you can only make a long-term fixed investment. If the time is long enough and spans one or several complete bull-bear cycles, the equity fund with fixed investment will have a great probability of obtaining the expected annualized expected return.
Whether a fixed investment can make money depends largely on the performance of the fund you choose. Because the fund is an investment product that does not guarantee the expected annualized expected return, it is uncertain whether it is a one-time purchase or a fixed investment by stages.
To sum up, the biggest advantage of the fixed investment of the fund is not that it can provide automatic deduction to buy, but that long-term investment can spread the cost equally, spread the risk and avoid the mistakes caused by artificially judging the market high and low points. It is more suitable for ordinary investors who are optimistic about the future market trend but not good at timing. Fixed investment is a game for long-distance runners, and only persistence can win.
Further reading: nine things that are most easily overlooked in fund investment
Investment skills of open-end stock funds
Explain the cost of open-end funds.