Fixed investment in a fund refers to investing in a designated open-end fund at a fixed time and amount. So how much is the right amount for investors? This requires the following factors to consider the amount of fixed investment per month. Let's see:

At the beginning of the fund's fixed investment, how much money will be more appropriate for the fund's fixed investment?

If the amount is set to be large, in case of sudden unexpected expenditure, it will be difficult to ensure the continuation of the fixed investment, and it will easily lead to a rapid decline in the quality of life. If the amount is set too small, the investment effect is not obvious, and it is difficult to achieve the investment goal.

We can calculate the reasonable amount of fixed investment every month by several methods.

Determine according to investment objectives

We can determine how much money we need to invest each month according to our goals. Suppose you are now 40 years old and want to have 1000000 yuan in your account when you retire at the age of 60, with a return on investment of 20%. As long as you invest in 400 yuan every month, you will have 1 170000 yuan in your account at the age of 60. Determine this problem first, and then consider whether this amount is appropriate.

Calculated according to idle funds

There is a formula to calculate your spare money every month: subtract your monthly income from your monthly expenditure, and then divide it by 2 to get the money you can invest in the fund every month. For example, if your monthly income is 1000 yuan and you spend 5,000 yuan, then the money you can invest is 2,500 yuan, and you should not exceed this number at most.

According to the existing deposit estimate

We should set aside at least 6 to 12 months of family reserve fund for the daily expenses of family life. Even if you encounter an unexpected accident, such as income interruption due to unemployment, it will be enough to cope with it for a while without putting yourself in a dilemma. This part of the funds needs to be withdrawn at any time. According to the deposit estimation method, after sorting out your family assets and leaving enough family reserve funds, you can make investments with peace of mind.

Through the above three methods, we can basically calculate the amount of funds that can be invested every month, and use the funds reasonably, so that idle funds can be allocated reasonably while enjoying life.

How much is the monthly fixed investment?

1, according to the invested idle funds.

When investors have more idle funds, they can invest more, such as 1000 yuan each time, and when investors have less idle funds, they can invest less, such as 100 yuan or 10 yuan.

2, according to the market situation to consider.

When the market is good, that is, when the fund's net value rises, you can choose to reduce the fixed investment amount, for example, from the original 1 000 yuan to 10 yuan, while in the process of the fund's net value falling, you can choose to increase the fixed investment amount, for example, from the original 1 000 yuan to 1 000 yuan.

How much should the fund invest each month?

According to your own income, the amount of fixed investment of the fund should be set at about 10%-20% of your monthly income. For example, if your income is 5,000 yuan per share, then the range of fixed investment is set to 500- 1000, so that you can accumulate certain funds through fixed investment without affecting your normal life.

In addition to your own income, you need to pay according to your own expenses. If you spend a lot each month and there is not much left, you can also set the limit of 100 or 200. If the cost is not big, you can also set the limit above 1000. If you are married and have a lot of family expenses, it is recommended to set it smaller.

Before you plan to make a fixed investment in the fund, you should make a plan for your own funds, income and expenditure. It is best to list the fixed investment as "necessary expenditure", so that there will be no phenomenon of fixed investment breaking. Moreover, after choosing a fixed investment, you should control your consumption desire.

After reading the above introduction, I believe everyone can have a better answer to the question of how much money to invest every month. If your fixed fund investment is cut off, remember to make it up, that is, remember how much money you cut off and make it up at one time next time. For example, the supply will be cut off in the second month and the fixed investment will be 1000 yuan in the third month.

First, the target inversion method

The target inversion method is to establish the investment target in advance, and then extrapolate the monthly fixed investment amount on the premise of expected annualization.

Monthly fixed investment amount = PMT (r/ 12, n _ 1 2, 0, Fv,1).

R stands for expected rate of return, n stands for investment period, and Fv stands for expected return+principal.

The formula looks complicated, so you can give an example. For example, if your goal is to accumulate 654.38+ten thousand yuan in five years and the expected annualized rate of return is 10%, then your monthly fixed investment amount is 128 1 yuan (the weekly fixed investment amount is 320 yuan). As for other fixed investment time, target amount and required fixed investment target, a table has been made for reference.

Of course, due to market fluctuations and individual differences, this method may still be different from the actual income, and it may not be able to obtain corresponding income when it expires.

Second, the calculation method of idle funds

We know that it is best to use idle money for investment, so we find a relatively easy calculation method-idle money calculation method.

"Spare money" is to invest with funds we don't need for the time being, and its formula is:

Monthly fixed investment amount = (monthly income-monthly expenditure) /2.

For example, if your monthly income is 10000 yuan and your monthly expenditure is 6000 yuan, then the monthly fixed investment amount is 0/2 of the monthly balance of 65438+, which is 2000 yuan.

The factor that needs to be considered in this method is the necessity of family savings, and certain future expenses can be reserved to meet family living expenses.

Third, the method of asset allocation

The asset allocation rules refer to the Standard & Poor's Family Asset Allocation Law. Standard & Poor's family assets allocation divides family assets into four parts, that is, the money to be spent (living expenses for 3-6 months) accounts for 65,438+00%; Life-saving money (earmarked to prevent sudden large family expenses) accounts for 20%; Currency (stocks, funds, real estate, high returns and high risks coexist) accounts for 30%; Capital preservation accounts for 40% (pension and education funds) and 40%.

The monthly fixed investment amount of the fund is 30% of the money generated. After deducting the real estate expenditure, everyone can adjust the amount of fixed investment that suits them according to the proportion of total household assets and the changes of household assets.

Four, the percentage of income method

The income percentage method is to make a fixed investment with the income of 10%-20% every month. For example, if the monthly income is 10000 yuan, then 10% of the income, that is 1000 yuan, can be used for fixed investment. If the monthly income reaches 50,000 yuan, it is also feasible to make a fixed investment with 20% of the income of 1 10,000 yuan. This method is simple in calculation, and it can kill two birds with one stone for the moonlight family, which can not only force savings, but also compound interest on investment.

Of course, the amount of fixed investment varies from person to person, so the premise of the above method is that your quality of life cannot be affected by the amount of fixed investment. The most suitable fixed investment quota will not increase your living burden, but also make proper use of your spare money for investment.