Fund redemption makes financial management more perfect. Most people know that there is a regular quota for buying funds, but few people know that fund redemption can also choose a regular quota, which is called fund redemption. If the fixed investment of the fund is "relying on heavenly sword", then for ordinary investors, the redemption of the fixed investment of the fund is "killing the dragon". The combination of sword and sword has infinite natural power. Fund redemption and fixed investment are two diametrically opposite investment schemes. On the one hand, fixed investment is often an individual's preparation for completing wealth accumulation and achieving short-term financial management goals in life, such as children's education funds and personal pensions; Redemption is a good tool to achieve this goal after completing the financial management goal. On the other hand, the advantage of the fund's fixed investment mainly lies in the wealth effect of "gathering sand into gold", which helps to avoid the trouble of investment opportunity and smooth the investment cost; At the time of redemption, investors are also faced with the problem of timing. Regular redemption is equivalent to a fixed investment, that is, according to their own capital needs, a fixed number of funds are redeemed at a fixed time every month, which can also help investors avoid timing risks. As a new financial management business in China, fund redemption was first launched by Agricultural Bank of China, which is not only applicable to investors who have already handled the fixed investment business, but also to open-end fund holders who are not fixed investment. Through this business, customers can not only reduce the pressure of monthly mortgage repayment, but also pay their children's education funds and parents' support funds on a regular basis to realize various investments with long-term financial planning as the investment goal. Clever use of fixed redemption to repay the mortgage for investors who need to repay the mortgage every month, the fixed redemption of the fund provides a good choice, which can not only simplify the procedures for changing money, but also increase the income of working capital. Mr. Li has mortgaged his house in Shanghai Pudong Development Bank (love stocks, quotes, information) and needs to repay the loan of 3,500 yuan every month. At the same time, he also opened the fund electronic direct selling function in Shanghai Pudong Development Bank. After paying the salary every month 10 and leaving the corresponding living expenses, deposit the remaining money into the debit card of Shanghai Pudong Development Bank and buy a money market fund. As the Fund has recently added the regular fixed redemption function in electronic direct selling, Mr. Li Can set the automatic redemption amount of the Monetary Fund at 3500 yuan on the 20th of each month to repay the mortgage. In this way, Mr. Li Can will reserve some funds to repay the mortgage every month, so that the expenditure will be more planned. Moreover, the income in the money fund is much higher than the interest of bank demand deposits, and there is no handling fee for entry and exit. In the long run, you can get more income than the interest on demand deposits. The most important thing is that it is convenient to repay the mortgage, which saves a lot of time. Different from the above case, Mr. Zhang bought a commercial house through the mortgage of Agricultural Bank at the end of 2006, and invested the remaining 200,000 yuan in a stock fund after the down payment. However, with the central bank raising interest rates many times this year, the pressure on mortgage loans is increasing. From next year, his monthly payment will increase by about 5,000 yuan in 800 yuan. The net value of the fund he invested in doubled in less than a year. Therefore, the financial experts of the Agricultural Bank of China suggested that he go to the bank to handle the fund redemption business, and redeem the funds around 800 yuan every month to repay the mortgage, so as to reduce the repayment pressure. Clever use of fixed redemption of children in the face of rising children's education funds, now more and more families begin to use regular purchase of funds to raise children's future education funds. After raising enough education funds, it is a new move to choose regular redemption to pay for children's monthly education expenses. Mr. Li bought a fixed investment fund for his son who was still in high school three years ago, and bought a stock fund of 3,000 yuan every month as an education fund for his son to go to college three years later. This year, my son was admitted to famous universities and international trade universities abroad. After studying in China for two years, he will go to England for further study for two years. Two years in China is ok, but the high cost of study and living in Britain is well known. Thanks to Mr. Li's wise move, he bought a fixed investment fund as an education fund. Under the catalysis of the bull market in the past two years, today, this education fund has reached nearly 300,000. However, Mr. Li is worried that the money will be taken out at one time and brought to Britain by his son, which will soon be "used up". At this time, he heard that the bank's new fund redemption business, like a fixed investment, redeems a fund with a fixed market value every month, so that he can send money to his son every month as his tuition and living expenses. As a result, Mr. Li became a crab eater again and signed an agreement with the bank to redeem the fund with a market value of 5,000 yuan (500 euros) every month as his son's tuition and living expenses. Clever use of fixed investment to redeem the old-age pension, similarly, the fund's fixed investment redemption also contributes a lot to the reasonable arrangement of retirement life. Mr. Cheng, a small private owner in Shanghai, is 60 years old and has begun to plan for retirement. Because he can't enjoy the pension like ordinary working-class people after retirement, he began to buy insurance. As a result, he was old and took out insurance everywhere, but they all ran into a wall. At this time, he found that in the middle of last year, he took out 500 thousand savings to buy a stock fund, and the income was quite rich after one year. The market value has exceeded 654.38+00,000, and he wants to take this money out as a pension. When Mr. Cheng went to the bank to learn about related matters, he heard that the fund is a new financial management tool. So at the suggestion of the financial planner, he decided not to redeem the fund at one time, but to use the fund to arrange his part of the pension. Mr. Cheng and the bank agreed to redeem the fund with a market value of about 2,000 yuan every month after retirement to supplement the pension. Mr. Cheng found that fixed investment redemption is more practical than reverse mortgage. Due to the late start of the fund industry in China, China talents began to contact funds around 2000, and it was not until 2006 and 2007 that funds really entered the daily financial life of ordinary investors. After nearly two years of bull market, many fund investors have gained considerable income, which has triggered a broader upsurge of national investment funds. These circumstances led to an important reason why there were fewer investors when the fund redemption business started. I believe that with the growth of the "base age" of the citizens, "Tulong Island" will glow with greater charm.