Most people know that investment success is nothing more than four words: buy low and sell high. But it's too difficult to do. You see, some people may be able to predict once or twice, but the long-term prediction is not accurate. So what we can do is to reduce our purchase cost as much as possible and strive to achieve "lower purchase".
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Selection criteria for fixed investment of the fund:
1. Confirm the platform purchase.
At present, there are many channels for fund sales, including fund companies, banks and third-party fund consignment companies. Among them, the bank rate is high and the fund company has little funds, so individuals recommend the third-party agency website, which has comprehensive funds and low rates. At present, the mainstream fund consignment websites include Zengcai Fund Network and Tian Tian Fund, all of which are good fund trading platforms.
2. Choose a fund.
(1) The selection criteria for the fixed investment of the fund is that it has been established for a long time, preferably more than 3 years. The same type of fund has the highest income in three years. It has been managed by the same fund manager and has never changed fund managers. These three conditions must be met at the same time. In addition, it is best to sell through a third-party agent website. If you sell directly through a fund company or through a bank, the former has less funds and the latter is too expensive.
(2) the method of choosing the fixed investment of the fund. With reference to the growth rate of fund cumulative net value, the growth rate of fund cumulative net value = (cumulative share net value-unit face value) ÷ unit face value. For example, if the current cumulative net value of a fund is 1. 18 yuan and the unit face value is 1.00 yuan, the cumulative net value growth rate of the fund is 18%. With reference to the fund dividend ratio, the fund dividend ratio = the accumulated amount of fund dividends ÷ the face value of the fund. If the fund has a certain profit, it is possible to pay dividends, which is one of the prerequisites for the fund to pay dividends. It can realize dividends or even continue to pay dividends, which reflects the ideal operation of the fund to some extent.
(3) The investment principle of the fund's fixed investment. Set a goal, do what you can, and make regular investment. This is an "average cost method", which must be easy and without burden. According to the individual's monthly income and expenditure, we can calculate the idle funds that can be saved, including 300 yuan and 1 000 yuan. Buy fewer stocks when the net worth is high, buy more stocks when the net worth is low, and the entry time is scattered, which is most suitable for raising retirement funds or children's education funds. Choosing the market, the investment period and the oversold market with good fundamentals are most suitable for starting regular fixed investment. Even if the market is at a low level, as long as you are optimistic about the long-term development in the future, you can consider starting to invest.