Now the financial market and economy are developing faster and faster, and many people are investing in stocks. So do you know the characteristics of stock investment? The following is the fixed investment method compiled by Bian Xiao, hoping to help everyone.
Characteristics of stock investment
Liquidity is relatively strong, it can be transferred at any time, can be traded in the market and can be converted into cash, so holding stocks is similar to holding cash.
Speculation is relatively large, and as the object of trading, stocks are of great significance to joint-stock companies. Enterprises or financial investment companies with strong financial strength buy a large number of tradable shares and non-tradable shares of a company, which can often become the company's largest shareholder and put the company under their own control, resulting in soaring stock prices. On the contrary, enterprises or financial investment companies that already hold a large number of shares in a company sell a large number of shares in the company, resulting in a sharp drop in the stock price. The rise and fall of stock prices provide investors with profit opportunities.
The risk is relatively high. Once investors buy stocks, they can't return the principal, so there are risks. Whether stock investors can get the expected returns directly depends on the profitability of enterprises. Once the enterprise goes bankrupt, investors may not even be able to keep the principal.
What are the methods of fixed investment?
1. Make fixed investment according to price fluctuation. Before making a fixed investment, investors can set a good goal, such as buying 10000 yuan every time the stock falls or rises by 5%.
2. Make a fixed investment according to some important position information. Investors can make fixed investment according to the moving average of each cycle. For example, investors can buy 10000 yuan near the 60-day moving average, 30-day moving average and10 moving average respectively.
3. Make a fixed investment at a fixed time. Investors can also buy 10000 yuan at a fixed time, regardless of the rise and fall of the company's stock, such as every Wednesday.
Is it worthwhile to buy a stock index?
Index fund is a fund that constructs a portfolio for securities investment according to the principle of compiling securities price index. It is a fund product that takes a specific index (such as the Shanghai and Shenzhen 300 Index) as the target index, takes the index constituent stocks as the investment object, and tracks the performance of the target index by purchasing all or part of the index constituent stocks, so as to construct a portfolio and make its fund return close to the market index.
Index funds can avoid the trouble of stock selection, and it is difficult for us to hold more than a dozen stocks at the same time. However, index funds can hold hundreds of stocks at the same time to diversify investment and risks. The index of holding positions is mostly high-quality leading stocks, and the black swan incident rarely occurs. Even if it happens, it will not affect the income of the whole fund.
Index fund fixed investment is a more suitable way for ordinary investors. As I said before, it is difficult to invest in stocks. However, the method of fixed investment can average the cost, don't buy too many stocks at a high level, and you can also find more cheap fund stocks at a low level. This method is simple and easy to operate, and can achieve the most pertinent investment cost and obtain stable income. It is better to give it to a professional fund manager than to spend years or even longer studying stock trading. Grafting the learning cost on the fund manager can make a profit in a short time, and leave the professional things to professionals. Judging from the past performance of index funds, they can outperform the tracking index most of the time, so this passive fund is the most stable investment method. In the long run, index funds can be superior to other actively managed funds.