Fixed investment is the abbreviation of fixed-term investment fund, which refers to investing a fixed amount in a designated open-end fund at a fixed time, similar to the bank's zero deposit and withdrawal method. Do you know the difference between fixed investment and direct purchase? What's the difference between fixed investment and direct purchase of 202 1 fund collected by Bian Xiao? Which investors are suitable for buying open-end funds? I hope I can help you.
What's the difference between fixed investment and direct purchase?
1 fund selection ability. Fixed investment is operated by a professional financial management team, which has strong fund selection ability and low possibility of loss; Direct buying requires a strong ability to choose funds and buy funds at the right time.
2 Investment risk. The investment risk of the fund's fixed investment is relatively low, and a professional financial management team will be responsible for timely stop loss; When buying directly, if the market is not good and investors fail to stop loss in time, there may be losses.
3 Return on investment. The investment return of the fund's fixed investment is relatively stable and has strong ability to resist market fluctuations; The return on investment of direct purchase is related to market conditions. When the situation is good, the rate of return may be higher, otherwise, there may be losses.
Which investors are suitable for buying open-end funds?
1 Taking securities investment as a sideline, I have no time to pay attention to investors. Most participants in the securities market have their own main jobs, and the opening time of securities trading is also the busiest time for everyone to work. Buying a fund can be managed by a professional fund company and you can enjoy the benefits yourself.
Investors who are interested in investing in securities but lack securities knowledge. Due to the lack of securities knowledge, most investors can't conduct in-depth and detailed research on the securities market and listed companies, which makes the investment blind. It is better to entrust a professional fund management company to operate.
3. Securities investors with low risk tolerance. Most investors who are active in the securities market are small investors. If their funds are concentrated on buying one or two stocks, the risk will be too concentrated. Investment is too scattered, involving too much energy, and the investment cost rises, which is not worth the loss. The fund gathers small funds into huge funds, which can be used for portfolio investment calmly, which not only disperses risks, but also facilitates management.
4 investors who expect long-term stable income and do not pursue wealth. Different funds have different investment styles, but they all advocate long-term rational investment. To pursue excess profits, you have to bear double risks. In this securities market, funds represent the mainstream of institutional investors, and the return on investment is not the highest, but it will be relatively stable for a long time.
How to choose a fixed investment fund
1 cumulative net growth rate of the fund. The growth rate of the cumulative net value of the fund refers to the percentage of the increase or decrease of the net value of the fund in a certain period (including the dividend part). Fund cumulative net growth rate = (cumulative net share-unit face value) ÷ unit face value.
2 Fund dividend ratio. Fund dividend means that the fund distributes part of the income to fund investors in cash, which is originally a part of the net value of the fund unit. Fund dividend ratio = accumulated fund dividend amount ÷ fund face value.
3 Compare fund returns with market trends. If the performance of a fund is better than the market index in the same period most of the time, then the management of this fund is more effective. If you choose this kind of fund for regular fixed investment, the risk and return will reach an ideal matching state.
5 compare the fund income with other funds of the same type. Generally speaking, different risks and different types of funds should be treated differently, and it is of little significance to directly compare the performance of different types of funds. In addition, when investors choose fixed investment funds, they can also use the judgment of some professional companies to examine the management ability of fixed investment funds and fund managers in many ways and more professionally.