Fixed investment and one-time purchase
First of all, let's look at the advantages and disadvantages of fixed investment and one-time purchase. Which method to choose is the trend of the market, which is a major premise.
If it is a volatile market, there are ups and downs, and fixed investment can help us share the cost and accumulate chips by buying in batches; But if the market is rising continuously, it is better to make a one-time investment. Just like the bull market of US stocks in the past decade, the sooner you buy, the better, and the more you buy at one time, the better.
Comparison of income between fixed investment and one-time purchase
Next, we will use the data to look at the comparison of fixed investment and one-time purchase income in different time periods in the past.
Look at the performance of the past year first:
More than 1200 stock funds included in the statistics earned 37.99% in the last year, and more than 3 1000 hybrid funds earned 4 1.49% in the last year respectively. In other words, if you choose to buy at one time and hold it for nearly one year, the stock fund can get a yield of 37.99%, and the hybrid fund can get a yield of 4 1.49%.
If fixed investment is chosen, the return rate of fixed investment of equity funds in the past year is 26.43%, and that of hybrid funds in the past year is 24.9 1%.
Moreover, many equity funds and hybrid funds have doubled their income, but fixed investment 1 year has not doubled their income.
In contrast, the yield of one-time purchase is much higher than that of fixed investment.
However, the biggest feature of fixed investment is more stable. Taking stock funds as an example, the loss ratio of fixed investment in recent 1 year is only 2.63%, while the loss ratio of annual income of stock funds reaches 6.3%.
However, if the investment time is extended to three years, the income of fixed investment and one-time investment is similar.
Why is this?
Because the market is constantly fluctuating. Although the yield of one-time purchase is higher than that of fixed investment, the loss rate of fixed investment is lower than that of one-time investment. There is a balance between the two. If the time is extended to five years, the return rate of fixed investment is also very good.
Therefore, if A shares take the past five years as a cycle, it is better to buy excellent equity funds at one time.
However, the fixed investment can help us smooth the income and risk, and in some continuous shock environment, the fixed investment is more favorable and has strong resilience. Especially after the time is prolonged, the income gap is not big.
Choose one-time purchase or fixed investment
Whether it is a fixed investment or a one-time investment, the most important thing is to choose excellent fund products. Some products have been losing money for five years, and many products have doubled their income in five years.
It also needs to be combined with the current market situation. If the market is already at a high level, it will certainly be fixed to spread the cost. If it is at a historical low, you can buy it at one time.
If you judge that the next market is likely to be dominated by fluctuations. If the valuation is not high or low, you can take a one-time purchase+fixed investment method, buy a part first, and then leave a fixed investment to deal with the possible decline.
Whether you choose a fixed investment or a one-time purchase, it is a matter of form. Conversely, it is secondary. The most important thing is to choose the right products, and then control your hands not to buy and sell frequently. Don't chase after the ups and downs, but also insist on buying at a low level.