When the stock market is bad, many people may pay more attention to fund investment. The risk of fund investment is smaller than that of the stock market. Some people buy funds and like to invest in them. What are the advantages of fund investment? What are the shortcomings of the fund's fixed investment? Today, Bian Xiao has compiled some fund-related knowledge for everyone. Let's have a look!
On the characteristics of fund's fixed investment
1 Advantages of fixed investment in gold:
It is difficult for ordinary investors to accurately judge the buying position when buying in the market. However, if the fund is fixed, no matter what the market situation is, it is possible to share the cost and reduce the risk to some extent by buying a fund with a fixed term of one month or one week.
Secondly, the fixed investment of the fund can prevent inflation. For example, prices have been rising all the time. If you keep your salary in the bank, your income will depreciate if you can't keep up with the price increase. But if the fund is fixed, it is equivalent to saving money in disguise. You can get extra income when the market is good.
2 disadvantages of fixed investment in gold:
If you choose the wrong fund and the wrong fund, then in the long run, the fund will suffer long-term losses, and the fund will suffer serious losses, resulting in more and more losses. Therefore, in the case of fixed funds, we must choose a good fund to hold for a long time to make money.
Secondly, the fund will make a long-term fixed investment. With the increase of the number of fixed investment periods, the proportion of each fixed investment to the total capital will be lower and lower, which will make the effect of cost allocation smaller and smaller, and finally the effect of "fixed investment passivation" will appear.
Finally, the fixed investment of the fund only tells investors when to buy, not when to sell, so the fund must learn to take profit when it is fixed. If the best take profit point appears and the fund continues to fall, then there will be serious losses.
What is the fixed investment of the fund?
Fixed investment is a lazy investment with fixed time and quota. Only after signing the relevant agreement for the first time to ensure that the account has funds can it be carried out, and the money will be automatically deducted from the account. Due to the fixed investment amount and fixed cycle interval, it can be shared equally and reduce risks.
Secondly, the fixed investment of the fund can also resist the erosion of inflation. In the long run, the sustained economic development is often accompanied by a certain degree of inflation. Investing in funds in a way similar to zero deposit and lump sum withdrawal, with long-term high expected returns, can help investors curb the impact of inflation, but there is a premise that they should choose the right fund. If they choose a bad fund, they will only lose more and more.
How do novices invest in funds?
Funds are mainly divided into: money funds, bond funds, stock funds, mixed funds, index funds, FOF funds and so on. Different types of foundations have different risks and benefits. Before investing in funds, you must know the basic situation of these types of funds.
Secondly, start with low-risk funds, because low-risk funds are not easy to lose money, such as money funds and pure debt funds. As far as money funds are concerned, Yu 'ebao and Coin Pass are both types of money funds, and they have never lost money so far. Although the past does not represent the future, it will still have certain reference significance.
In addition, you can also consider Alipay's lazy financial management, which can be found on Alipay's financial management page. Click on the lazy financial management page. There are three pages, namely: introduction to financial management, steady choice, expected annualized income of about 4%, steady approach, and strive for good returns. It is expected that the annualized income will be about 5%, and the income will be higher and higher. Expected annualized income of 6%
These bond funds have a common feature, that is, low risk and little risk, but the income is relatively stable and the fund fluctuation is relatively small. When buying, investors can decide how much to buy and which page to buy according to their actual situation.
It should be noted that the benefits are high and the risks are relatively high. If the market is not good, there is the possibility of loss. Funds do not guarantee principal and interest, which is different from bank deposits.