At that time, I said I wouldn't buy it, because the Shanghai Composite Index was flawed and all of them were heavyweights. The representativeness is far less than that of the Shanghai and Shenzhen 300, so I passed it directly.

Everyone is saying that the Shanghai Composite Index 10 will not rise in a year, which is really the case.

Now that it has finally revised its compilation rules, we don't have to worry about how to adapt, just see if our income can increase after the change.

This is still worth looking forward to. For example, ST shares are eliminated, and those with poor performance are directly invited. Without them, the index will perform better.

As we all know, the Shanghai Composite Index 10 will not rise in a year.

20 10 On June 22nd, the closing price of Shanghai Composite Index was 2588.70, and on June 22nd, 2020, the closing price of Shanghai Composite Index was 2965.27.

Calculated by a financial calculator, the return rate of Shanghai Composite Index 10 is 14.5%, and the annualized return rate is 1.3%.

This rate of return can't even catch up with the one-year time deposit interest rate.

Therefore, the Shanghai Composite Index is really bad. However, if I am interested, how about investing in some foundations that track the Shanghai Composite Index?

Curious baby chose several funds and made a data back test.

Considering that 10 years ago, the fixed investment rates of many funds were discounted, and they directly chose not to discount.

1, 10 has a fixed investment yield of 24.48% and a compound annual yield of 4.22%.

2. The fixed investment rate of 10 is 32.59%, and the compound annual rate of return is 5.4 1%.

III. The fixed investment yield of 10 is 39.62%, and the compound annual yield is 6.39%.

The fourth one, 10, has a fixed investment yield of 58.52% and an annual compound yield of 8.76%.

Isn't that strange? Even if you choose the best fund, you will outperform the Shanghai Composite Index.

Moreover, there was a big bull market on 20 15 and a small bull market on 20 19. If you cooperate with the strategy of falling more, buying more and making profits in batches, the yield will be higher.

This is the magic of fixed investment. After crossing the bull and bear, you can still outperform the index.

However, I have never invested in these funds.

10 years does not rise, it seems to be from the starting point to the starting point, but there are fluctuations in the middle, because the price of each purchase is different many times. In the long run, the purchase cost is closer to the intrinsic value.

In fact, even if the fixed investment starts from the highest point of the Shanghai Composite Index 16 on June 6, 2007, positive returns can still be obtained.

At that time, many index funds did not exist, so the Shanghai and Shenzhen 300 Index was selected for backtesting, and the start date of fixed investment was the highest point.

This is because index funds can survive the fittest and rise for a long time. Even if the index does not rise, the fixed investment index fund can make money.

Therefore, if we buy funds according to the Shanghai Composite Index, there will be deviations, which we can expect after the new regulations take effect on July 23.

The spell of 3000 points on the Shanghai Composite Index should be broken soon.

Of course, no matter whether it is revised or not, we don't buy the Shanghai Stock Exchange Index, but buy index funds to see which one to buy.

How to choose a fund, there are still standards to follow.

Fixed account situation

Account 1: RMB 140 fixed deposit every day.

Account 2: Daily fixed deposit in 500 yuan.

Special instructions

1. This account is an experimental account of real money (not a virtual game). According to the fund valuation and personal preference, the relatively undervalued index is preferred for fixed investment, and will be adjusted according to market conditions later. Imitation is risky and investment needs to be cautious.

The income displayed by the system is rounded, and some errors in the table can be ignored.

2. If you build a portfolio, it is enough to choose 3-5 funds, and there is no need to engage in a large number, which may not maximize the income. The reason why our two accounts invest more money is to get more data. Please be careful when imitating friends.

It is a thankless thing to make a firm collection of works and publish it. You never know how much fun it can bring unless you do it.

4. Some adjustments have been made to account 2, and the total amount of daily fixed investment remains 500 yuan, and the account 1 remains unchanged.

5. I will reduce the opportunity cost of each purchase by a small number of long-term purchases, and finally draw a smile curve.

BTW: There is no optimal combination in the market, only the combination that suits you better.