Characteristics and advantages of the fund's fixed investment
1, average cost, risk diversification
2. Suitable for long-term investment
3. It is more suitable for investing in emerging markets and small equity funds.
4, automatic deduction, simple procedures
Advantages of regular fixed investment
First, invest regularly, every little makes a mickle.
Second, there is no need to consider the investment time.
Third, average investment and spread risks.
Fourth, the compound interest effect is considerable for a long time.
Matters needing attention in fund fixed investment
First, what kind of people are suitable for fixed investment?
1, young moonlight clan
2. Office staff with fixed salary
3. There is a special (or large) capital demand at some point in the future.
4. I don't like to take too much investment risk.
Second, choose the right time.
First of all, fixed-income instruments such as bond funds are not suitable for regular fixed-income investment. It is suggested to invest in fixed income regularly, and stock funds should be considered first.
Secondly, when making regular fixed investment, we should choose the rising market. Therefore, as long as the long-term prospects are good, it is most worthwhile for the short-term market to start regular fixed investment.
Third, choose the right fund.
Choosing a volatile fund or a stable fund is a problem that must be considered when making a fixed investment. Funds with large fluctuations have a better chance to accumulate more low-priced stocks during the decline of net value, and can make quick profits when the market rebounds. However, if the deduction starts from a high point and the redemption unfortunately hits a low point, then even if the risk of entering the market is dispersed regularly, the income will not increase.
Funds with stable performance have small fluctuations and generally do not encounter the problem of low redemption, but the relative average cost will not drop too much and the profit is relatively limited.
In fact, the time compound interest effect of long-term fixed investment disperses the short-term risk of long-term stock market and fluctuating fund net value. As long as we can adhere to the principle of long-term deduction, choosing a fund with large fluctuations can really improve the income, and the long-term return rate of a fund with high risk should be better than that of a fund with low risk. Therefore, if the long-term financial management goal is more than five years to ten or twenty years, it is advisable to choose a fund with large fluctuations, while if it is within five years, it is best to choose a fund with stable performance.
Fourth, how to determine the fixed investment?
It varies from person to person, depending on the specific situation! Under normal circumstances, 40%-60% of the remaining funds can be used for fixed investment after the necessary expenses are paid every month. After all, fixed investment is a long-term investment, so we should consider and take care of the future revenue and expenditure!
5. It is very important to evaluate the redemption time.
It is very important to determine the redemption time for regular investment funds. If the market plummets and the net value of the fund plummets, the effect of patiently accumulating units will be greatly reduced.
Therefore, regular fixed investment should be planned reasonably. Accumulate long-term funds such as retirement funds, and pay attention to redemption opportunities three years before retirement age.
And even if it is only half of the investment period, we should pay attention to the growth of the market to adjust. For example, if you plan to invest for five years, the market is already high-end after three years of deduction, and the market will enter another short cycle, so it is best to take profits first and avoid shorting the bottom of the market when faced with capital demand.
Profit-taking can make good use of partial redemption and timely conversion. After the regular quota is started, if it is necessary to cancel the contract temporarily, or if the market is high-end, it is impossible to judge the subsequent trend direction. It is not necessary to redeem all units at once, and some units can be redeemed to obtain funds, while others can be retained until the trend is clear. If the market trend changes, you can switch to another market with an upward trend to continue regular fixed investment.
Once you start to invest the right funds regularly, you don't have to worry about short-term ups and downs.
The difference between fixed investment and ordinary subscription.
1. The fixed investment of the fund is much lower than that of the general fund subscription. The minimum investment limit of some funds can even reach 100 yuan, and the monthly subscription amount is fixed.
2. Ordinary subscription faces the risk of buying high and selling low, and the investment cost of fixed investment of the fund is more average than that of ordinary subscription.