The basic idea of fixed investment financial management is to invest a certain amount of money into the investment target regularly within a specified period of time in order to obtain long-term benefits. For ordinary people, fixed investment is a relatively safe financial management method, which can reduce investment risks and improve the rate of return.
1000 yuan: how much can you earn a year if you make a fixed investment every month? Suppose the monthly investment is 1000 yuan, and the annual investment is * * * 12000 yuan. If calculated according to the annualized rate of return of 6%, the income of 7 17.45 yuan can be obtained after one year. If the annualized rate of return is 8%, the income of 98 1.54 yuan can be obtained after one year. If calculated according to the annualized rate of return of 10%, the income of 1267.08 yuan can be obtained after one year.
How to choose the investment target? Fixed investment needs to choose stable and reliable investment targets. You can choose stock funds, bond funds, money funds, etc. And you can also choose time deposit and current deposit opened in the bank. The choice of investment target needs to be comprehensively considered according to its own risk tolerance, financial situation, investment objectives and other factors.
What problems should we pay attention to when making a fixed investment? First of all, you need to be clear about your investment goals and risk tolerance, and you can't blindly follow the trend or listen to rumors. Secondly, we should carefully screen investment targets and choose wealth management products with excellent qualifications and stable performance. At the same time, we need to pay attention to the fixed investment period and the fixed investment amount. The fixed investment period should not be too short, and the fixed investment amount should not be too large or too small. Finally, it is necessary to pay attention to the investment situation regularly and adjust the investment strategy in time.
Advantages and disadvantages of fixed investment The advantages of fixed investment are that it can avoid market fluctuations, reduce risks, smooth investment costs and balance income for a long time. The disadvantage is that the investment cycle is long, you need to wait patiently, and you can't completely avoid market risks. You need to choose according to your own situation. Fixed investment is a relatively safe investment method, which is suitable for public financial management.