One-time fund subscription, different fund companies, stipulated 1000 to 5000; The fixed investment is 100 to 500.
If you want to make a fixed investment, you can choose Guangfa Jufeng, Bosera Select, Bosera Theme, Huitianfu Advantage Select and Nuoan Stock Fund. You can go to Morningstar, Jimmy, Coolpad Fund and Tian Tian Fund to see the performance, ranking and fund managers of each fund. It is recommended to choose high-risk funds for fixed investment.
The reason why the fund with large net value fluctuation is chosen is that the fund with large net value fluctuation has more opportunities to accumulate more low-cost fund shares in the stage of net value decline, and can make quick profits when the market rebounds. Among all kinds of funds, equity funds are more suitable for fixed investment business, such as Guangfa Jufeng, Guangfa Small Cap and Guangfa Jufu Fund. Because this method makes use of the time compound interest effect to make long-term investment profits, it does not need to choose the timing of entering the market, and it also disperses the short-term risks of long and short stock market and fund net value fluctuation.
Regular fixed investment of funds refers to the time, amount and method of deduction agreed by investors in relevant sales organizations, and the sales organizations will automatically complete the deduction and fund subscription from the bank account designated by investors on the agreed deduction date. Because the amount of investment in this way is generally small, investors can make money run automatically for a long time through an agreement, so it is also called "lazy investment law". Similar to the bank's zero deposit and withdrawal method.
For example, investors decide to invest 10000 yuan in a fund. According to the regular quota plan, investors can invest 1000 yuan per month, totaling 10 months. You can also invest in 200 yuan every month for 50 consecutive months.
Different from single investment, fixed-term investment funds have a low starting point and do not increase the economic burden; Automatic monthly deduction has the effect of compulsory savings and accumulates funds for investors; If you persist for a long time, you can still get compound interest income.
Regular fixed investment can effectively spread investment risks. When the net value of the fund rises, the fund shares bought are less; When the net value falls, you buy more stocks. In this way, "buy less when going up and buy more when going down" can effectively reduce the investment cost in the long run, and investors don't have to go to great lengths to choose the right investment opportunity.
Generally speaking, the fund's fixed investment is more suitable for working-class people with low risk tolerance, young people who have just started working, and middle-aged people with specific financial goals (such as children's education funds and pension plans). Experts suggest that investors can plan their fixed investment according to the actual situation and goals. For example, if you buy a car or a house, you can choose to invest in ICBC for three to five years. If you prepare education funds and provide for your children, you can choose a longer fixed investment period.
If you want to make a single investment:
1. You can bring your ID card to the bank counter and buy it directly.
2. You can also open online banking in the bank and buy online at home.
3. It can also be purchased online on the website of the fund company.
Bank of Communications charges low, services are good, and there are many consignment funds. You can go to Bank of Communications to open online banking.
China Merchants Bank's online banking is more professional and can be opened in China Merchants Bank.
The market has been adjusted recently, so caution is recommended.
The adjustment will continue, and the market outlook is still unclear. Experts suggest that if the fund held by investors has lost money, there is no need to cut the meat and stop the loss, and at the same time, don't blindly buy low-priced funds. Keeping on the sidelines is a wise choice for fund investment in the near future.
If you are in a good mood and plan to invest for a long time, it is no problem to buy now. You can buy Guangfa Jufeng, Bosera Select or Bosera Theme Industry. Specifically, you can go to Jimi.com, Ku.com, Tiantian.com and Morningstar.com to learn about the performance, ranking and fund managers of each fund.