Funds are one of the most suitable tools for ordinary people to invest and manage money. There are many financial products nowadays, but while the expected returns are high, the risks are also high, and most people are not able to bear the risks. Funds are relatively safe for many people.

Fund fixed investment is the abbreviation of fund regular fixed amount investment. The "regular fixed amount" here means investing a fixed amount in the same fund every fixed period of time (such as every month or week). So many people will ask, what are the skills for fixed investment in funds?

Fund fixed investment is not done blindly, but with skills. The editor below will tell you four fund fixed investment skills.

Our common fixed investment cycle is monthly investment, but there are also some channels where fixed investment can be invested weekly, monthly, bimonthly or quarterly. So how do we choose the period?

1. The first tip: How to choose the frequency of fixed investment?

In fact, weekly investing, which is more frequent, does not have a prominent advantage in expected returns compared with monthly investing. Weekly investing and monthly investing actually have little impact on the final fixed investment result. , mainly has something to do with market conditions and deduction time. For example, in the above example, the expected income from monthly deductions is high because the purchase time is just low. However, it is impossible to predict which day the deduction point will be low, so there is no need to worry about whether to invest monthly or weekly.

2. The second tip: How much should you buy each time?

Any investor must act within his or her ability and make investment choices based on his or her actual situation. Under normal circumstances, we recommend that after deducting necessary expenses from the monthly salary for fixed investment, it is more appropriate to allocate 20%-50% of the remaining money for fixed investment.

3. The third skill: How to stop profits and losses?

Many people say that looking back on 2007, the stock market once soared to 6124 points. If I could have redeemed it in time at that time, I would have made a lot of money. Yes, but didn’t you have time to redeem it? If you don't know how to stop profits and losses, the profits on your account will turn into paper wealth in an instant.

So we must understand a characteristic of fixed investment-fixed investment does not stop losing!

The main reason is that the principle of fixed investment is to accumulate less and make more, buy at low points to obtain more shares, and wait for the market to rise sharply. But if you stop the loss at a low market level and sell the fund shares you already hold, then even if it rises sharply later, the shares accumulated in the early stage will be meaningless.

Therefore, fund fixed investment should not stop losses, but should do a good job of stopping profits.

4. The fourth tip: The fixed investment fund has been falling. Do you want to stop?

An investor once said: "When investing in a volatile market, it feels like a bottomless pit. Every time I deduct money, I am filling the hole. I am also drunk and keep falling endlessly? Otherwise, first Stop fixed investment and re-enter at a low point?"

In fact, what the editor wants to say is, never sell funds/stop fixed investment because of a drop. Instead, you must overcome fear when the bear market plummets, persist and even Increase fixed investment.

In a bear market, investors have to face the embarrassing situation of "funds being deducted every month and losses increasing every day." Many people may be like this user and cannot accept such losses, so they stop investing in the bear market.

In fact, truly insightful people may have been quietly increasing investment. Because this shows that the market price has begun to decrease, even at a low level. In the process of continuous decline in the bear market, it is the time for us to pick up bargains. This is just like buying some branded products when they are on sale in the mall. As a rational investor, facing asset shrinkage in a bear market, the correct approach is to ignore the temporary book losses and continue to invest.

Of course, we cannot blindly add positions as soon as we see a drop. If the fund drops, you have to judge whether the fund itself is reliable? What is the reason for the loss? Is it an inevitable systemic risk, or is it the incompetence of fund managers themselves? Finally, decide whether to stop fixed investment.