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First, the fund's fixed investment taboo: stop investing if you lose money.
The mistake that everyone likes to make is to maintain a fixed investment for one or two years. With the trend of the fund, the mood rose and I regretted not buying more. When it falls, it is afraid of losing more. Finally, when it loses money, it stops investing. There is a big taboo in the fixed investment of the fund, which refers to this.
If you decide that the target is a fund, you must buy it even if it falls badly, because only when the fund is in a trough can the same money buy more stocks and reduce the average cost.
Only in this way can you go back to the beginning, and you can find a suitable opportunity to quit safely.
Second, the fixed investment method is not considered.
Although the fund's fixed investment is a lazy investment method, it can't be ignored all the time, not paying attention to the market dynamics, or even the dynamics of the fund you bought.
If most of the funds in the market are rising, but your fund is falling, then you should buy "garbage chicken".
So what we need to do at this time is to pay attention to whether the fund team of this fund has changed, or whether this fund holds junk stocks. If so, it is necessary to redeem the fund in hand in time to avoid falling again.
If you can't master the technology of locking the timing of fund trading and fixed investment, you will inevitably not be able to buy good stocks.
3. Are bond funds and money funds suitable for fixed investment?
If you want to buy a fixed investment fund, it is recommended to choose one with large price fluctuations.
Fixed investment can make the price fluctuation smooth, but some people choose to invest in bond funds and monetary funds, which have little fluctuation, so it is meaningless to invest in debt-based or goods-based funds.
In the unilaterally rising bond market, one-time investment will earn more.
Therefore, it is necessary to buy a volatile fund variety and make a fixed investment. There are many kinds of funds. Personally, I suggest choosing partial stock funds or index funds with large fluctuations.
The fund must know all kinds of fees for its fixed investment. Generally, when a fund makes a fixed investment, it is divided into front-end expenses and back-end expenses, and the rates given by different channels are different when charging fees. Users can choose channels with low rates when purchasing, so that they can spend less money when purchasing.