Fund fixed investment: many a mickle makes a mickle.
The bank's "fixed investment" business is an internationally accepted fund financing method similar to the bank's zero deposit and lump sum withdrawal, and it is a financing method of purchasing a certain fund product at the same time interval and the same amount. The biggest advantage of fixed investment is that it can average the investment cost, because the way of fixed investment is to buy a fixed amount of funds regularly no matter how the market fluctuates. When the net value of the fund rises, the number of stocks bought is small; When the net value of the fund goes down, buy more shares, that is, automatically form an investment method of lightening positions on rallies and overweight on dips.
In the long run, monthly diversification can reduce costs and risks, and make the investment cost close to the average cost invested by most investors. In this case, the long-term compound interest effect of time will be highlighted, which not only ensures the safety of funds, but also makes small money that you usually don't care about become "big money" after long-term accumulation.
For example, investors only invest in the fixed investment business of funds in 300 yuan every month. If the future average rate of return of the invested fund is 5%, after five years of investment, the total amount of funds available to investors will reach 20,427 yuan. Even if the cost reduction factor of deferred investment is not considered, its actual investment return rate will still reach 13%. In addition, the procedures for the fixed investment of the fund are also very convenient. At present, Industrial and Commercial Bank of China, Bank of Communications, China Construction Bank and Minsheng Bank have all started the fixed investment business of funds, and the entry threshold is low. For example, ICBC's fixed investment business requires a minimum monthly investment in 200 yuan.
Believe me, Huaxia dividend is a good fund, you will realize it more or less! There is no money now, but the whole environment is not good!
In the last year, the overall scale of Xingye Trend Investment was higher than that of similar funds; Dividend style performance is medium. In terms of risk-return ratio, the investment income of the fund is high and the investment risk is relatively small.
In the net asset value of the fund, the proportion of investment in stock assets is general. The manager of Xingye Trend Investment Fund has strong comprehensive management ability and average stability. In choosing fund investment targets, I prefer to invest in stocks with large market value and high value. In terms of the concentration of the fund's heavy stocks, the industry concentration of stocks is very concentrated.
Judging from the overall management level of the fund company to which the fund belongs, the overall income of the fund under the fund management company is greater than the average overall income of other fund companies, the income difference is slightly less than the average level, and the overall risk level is lower than the average level.
Therefore, it is recommended that you buy and hold the fund for a long time.
My personal suggestion is to continue to insist on fixed investment! Finally, I wish you a smooth investment ~ ~
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In addition, I'll add a few related questions to you:
1 What's the difference between a debt fund and an equity fund? Which one is suitable?
2 is there a risk of loss in the fund's fixed investment? Is there any risk?
If you invest in 800 yuan every month, what is the profit after one year?
4 is the autonomy of redeeming the share after the fixed investment in your own hands?
5 is the fixed investment fund bought at the net value of the day? How to choose a fund for investment?
6. Dividends include cash dividends and investment dividends. How did the dividend come from? How much is it?
7 how to calculate the profit of the fixed investment fund?
8 How do I know the trend of the fund I decided to invest in? When is the best time to redeem?
In the first half of 2008, the stock market was in a downturn. Is the second half of 2008 suitable for fixed investment? Does it matter?
10 which companies have stable funds? Ask experts to recommend two (the whole family who advertised died)
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1- 10 questions 10 points10/50 points out of 50 points 150 points thank you!
Question supplement: how to calculate the calculation problem of expert question 2 on the first floor?
That is to say, I bought 1 000 yuan at the price of1yuan each, which means 1000 yuan. When it fell to 6 yuan this month, it was equivalent to a loss of 40% last month, that is, it lost to 400 yuan last month, and 1000 yuan was only worth 600 yuan. Then I will continue to vote for 1000 next month. Didn't the loss cost 400 last month? In that case, the total fund is 2000 and the total share is 2667. When the price rises back to 1 yuan, I can earn 600 yuan. It's too easy to make money. . Did I miscalculate ... help me explain, thank you!
Also, in this case, is there no difference between investing in stocks or bonds? The autonomy of redemption is in your own hands. Why do stock funds have high returns but high risks?
1 Bond funds are different from stock funds: the former has extremely low risk and almost no risk, because it is a capital preservation type, while the latter is a non-capital preservation type, but the yield is relatively high. Which one to choose depends on your judgment of the market. If the stock market is good, you must choose the latter to earn more. But in the current market, the choice is of course the former, with no loss as the first consideration.
2 is there a risk of loss in the fund's fixed investment? Is there any risk? Of course there are risks. The main purpose of fixed investment is to share the cost. For example, this month, you bought 1 000 yuan with1yuan, which means you bought 1000 yuan. Next month, due to the market decline, the fund you bought has fallen to 60 cents, and you invested 1 000 yuan. This 1 1,000 yuan is equivalent to buying 1 1,667 funds, and buying 2,667 funds for 2,000 yuan in two months, which reduces the sharing cost. If it is not a fixed investment and the market falls, your fund will definitely fail. Relatively speaking, the risk is not directly bought. The main purpose of fixed investment is to reduce costs and win steadily.
If you invest in 800 yuan every month, what is the profit after one year? It depends on the situation of the stock market in that year, which is unpredictable.
4 is the autonomy of redeeming the share after the fixed investment in your own hands? Of course, it's up to you, and your own money is up to you, as long as it's in the redemption period, you can do it at any time.
5 is the fixed investment fund bought at the net value of the day? How to choose a fund for investment? No, for example, if the date of your monthly investment is 1, then your money will be deducted at 1, but the money will be bought on the 2nd, which means the net value after T+ 1. Choice is a difficult decision, because there are too many choices. Personally, it is better to choose a big fund company with a bigger reputation, and it is difficult for a small one to protect itself in such a market. If it's not a fixed investment, it's recommended to buy a new fund, because it's all bargain-hunting and not quilt cover, which is more active, but if it's a fixed investment, it doesn't matter much.
6. Dividends include cash dividends and investment dividends. How did the dividend come from? How much is it? This is very simple. For example, the original fund belongs to 2 yuan. After paying dividends, it becomes one yuan, which means that as long as you have one in your hand, you can get 1 yuan.
7 how to calculate the profit of the fixed investment fund? Unit price after cost allocation * Your share
8 How do I know the trend of the fund I decided to invest in? When is the best time to redeem? Go to the website of the fund you bought, enter the password of your ID number, and you can check everything, or look at websites like Tian Tian Fund Network. The exchange time depends on you personally. Fixed investment is originally a long-term investment wealth management product. Don't redeem the money as long as you don't use it for a short time. When you earn a certain satisfaction, you can accept it when you see it. It's not easy to make some money these days.
In the first half of 2008, the stock market was in a downturn. Is the second half of 2008 suitable for fixed investment? Does it matter? It's hard to say. After all, none of us know how the stock market will go in the future. I think it's ok. Now the fund has almost fallen. 6.7 gross funds are abundant. I checked the history, and the fund should be very low when it is 67 cents. Sure, you can wait. Don't worry about investing, learn to wait, young man.
10 which companies have stable funds? There is no need to ask experts to recommend two companies (the whole family who advertised is dead) to advertise. Personally, I suggest you go to Tian Tian Fund Online to check the fund income ranking and choose for yourself. Even if you lose money, it has nothing to do with others. You have no regrets, or you will be accused.
165438+ Personally, I think your situation is very representative. It's mid-September, and you still have three or four months, which means you can balance four or five thousand, plus the bonus or something, which is 10000. It is safest to buy bond funds. If you want to take risks, buy funds or even stocks. But personally, I think it's best not to touch this stock now. Speaking of capital, of course, if you want to spend money early next year (because there are many places where you just jumped ship to spend money), it is meaningless to make a fixed investment. Might as well buy it all. If I were you, I would stay with you. Although it doesn't earn much, it will at least break even. I say this because I am not optimistic about the market in the next few months. My words are for reference only. Hehe, I wish you a fortune.