Fund fixed investment formula
First, take profit without stop loss.
If the fund wants to achieve good results, it depends on the market coming out of the smile curve. When the market continues to fall, it is an opportunity to use chips. If we stop at this time, the whole fixed investment will be lost. If you buy at a high point and sell at a certain position, you won't lose anything. If you want to buy low and sell high, you must overcome your fear, stick to a fixed investment when the market falls, and wait patiently for the market to pick up.
When your fixed investment starts to make a profit, we also need to stop making a profit in time. There are many ways to take profit, such as target take profit method, step-by-step selling method and so on. In the long run, the yield and average annualized rate of the domestic stock market are expected to be around 10%, and individuals can set the expected return of 15% through the fixed investment of the fund, so they begin to consider profit. This can be considered from the following aspects:
1. Enhance investment confidence
In fact, for fixed investment, everyone knows that taking profit does not stop loss, but it is easier said than done. Especially when the market is depressed, the more you decide to invest, the more the yield falls and you want to stop deducting. At this time, we must strengthen our confidence. No matter how the market falls, don't stop and quit. Because after a period of fixed investment, there is a correction in the market, which is actually the best time to accumulate more fund shares.
Therefore, when the market falls, we should focus on accumulating a large number of "unit" stocks, and when the market rises, we can focus on "profit taking". If we insist on a fixed investment in last year's depressed market, we will make money when the market rises this year. I will not regret buying less or completely empty. Without experiencing wind and rain, I know how to see the rainbow. And there is another advantage of fixed investment, that is, there is no need to choose the right time. Can enter the market at any time. The perfect summer sleeping mat doesn't exist, and you won't buy it at a higher place or place. After all, not everyone can predict the market. After all, through fixed investment, you can share high net worth and accumulate more units when the market is in a downturn. When the market is good, not only the cost is reduced, but also the number of units has accumulated a lot. At this time, you can make more profits by making profits.
2. Stick to it for 3-5 years
The complete alternation time of bulls and bears is usually 3-5 years, and the fixed investment cost is high. Be prepared to deduct money from idle money for 3-5 years, so as to get the maximum benefit from fixed investment.
Otherwise, even if you know that the fixed investment must stop profit and stop loss, you are still disconsolate, because there is not enough spare money to accumulate units, especially when it falls. If you have no money to buy it, you will terminate the fixed investment plan, and it is difficult to accumulate lower costs. Then the floating loss on the book of fixed investment becomes a real loss. Therefore, it is necessary to regard fixed investment as a tool for compulsory savings, and constantly increase the principal, so that when it falls, it will buy more and more, and if it is not profitable, it will not be settled.
In the view of Winner Fortune Network, this formula needs to have a certain understanding of the market. When the loss continues, it needs to be treated rationally and cannot be treated completely according to the above contents. Stop loss in time is also a way.
Second, underestimate buying and overestimate selling.
We can decide the timing of subscription and redemption according to the valuation of the fixed investment index fund. When the index is undervalued, we will start a fixed investment; Continue to hold when the valuation is normal (fixed investment can be suspended); When the index is overvalued, the fund will be redeemed. The redemption skills of stock funds are also introduced in detail in Winner Wealth Network, and there is a lot to learn about fund knowledge.
Third, buy an undervalued index or quality index.
The key to the fund's fixed investment is to choose the right target. It is suggested to choose the broad-based index that is undervalued in the current market to start fixed investment. In addition, high-quality indicators such as consumption and medicine can also be properly considered, but the timing of admission needs to be determined in combination with valuation. Of course, this is not a static layer, it will change with the change of the market.
The fixed investment of the fund is determined by the following three factors:
1. Determine the scheduled investment time.
Fund fixed investment is an investment method based on time axis. Usually, a fixed investment is made once a month. This is because the fixed investment of the fund is mainly aimed at the working class, because this class is paid monthly. In addition, judging from the specific date of the fixed investment, it is recommended that you do not set the fixed investment time in the first seven days of each month, because there are many holidays during this period, which will easily lead to the closure of the market and the inability to buy it.
2. Determine the rebalancing strategy of fixed investment.
The so-called rebalancing strategy refers to the operation of increasing or decreasing the actual ups and downs of fixed investment funds, taking profit or stopping investment, which needs to be adjusted according to your overall strategy of fixed investment funds. Except for the temporary redemption in the second half of the bull market, I will double the fixed investment quota of the month at any other time as long as it falls sharply. This is a rebalancing strategy, not a random choice, but a strategy that needs to be determined before the fixed investment and strictly implemented in the subsequent fixed investment time.
3. Determine expectations and risk tolerance
Income and risk are the pros and cons of investing in this coin. People often only consider the benefits and ignore the risks. Fixed investment products under different fixed investment logic will bear different risks at different stages.
When talking about the fixed investment of funds, we should pay attention to four points:
1. Since it is a fixed fund investment, we must be prepared for long-term investment, and we must allocate family expenses well, and don't turn the fixed fund investment into a family burden. (It is best to use money that will definitely not be used for investment at home 1-2 years)
2. The amount of fixed investment per month must be affordable for yourself and your family, which means that once the fund loses money, it will not affect the normal life of yourself and your family.
3. Don't blindly follow the trend.
4. Don't be eager for quick success and instant benefit, and don't be timid.
5. Don't think that if you buy a fund, you will definitely not lose money, so you will invest a lot of principal at one time, resulting in no money to buy a good fund in the future; Don't feel that the fund is in a bad situation, sell it quickly.
That's all. I hope it helps you.