Fixed fund investment means that investors invest a fixed amount into the selected fund products within a fixed period of time. In fact, the monthly deposit in the 500 yuan of the Monetary Fund also belongs to the nature of fixed investment. However, due to the small fluctuation of the Monetary Fund, the advantages of fixed investment are not obvious.
In contrast, funds with large risk fluctuations such as index funds are more suitable for fixed investment and can better share risks and costs. If calculated according to the expected annualized rate of return of 6%, the fund will invest in 500 yuan every month, and the expected redemption amount after 10 is about 82,000 yuan.
It is difficult for ordinary investors to grasp the right investment opportunity in time, and they often buy at the high point of the market and sell at the low point of the market. However, the fixed investment mode of the fund is adopted. No matter how the market fluctuates, the fixed investment fund will be fixed for one day every month, and the bank will automatically deduct the money, and automatically calculate the number of fund shares that can be purchased according to the net value of the fund. In this way, investors buy funds on schedule, and the investment cost is relatively average.
For example, if you invest 100 yuan in an open-end fund every two months, the number of shares you can buy each time is 100, 105.3, 165, 438+065, 438+0 and 108 respectively. If the cumulative share is 6 1 1.2, the average cost is 600÷6 1 1.2=0.982 yuan, and the return on investment is (1.1× 6/kloc. (Note: Fund investment is risky, and the past examples are for reference only, not as a hint or guarantee of fund investment return. )