Regular quota, a small investment method, is suitable for people who have long-term financial needs without large capital investment. For most fund investors who don't have time to study the changes of economic prosperity and short positions in the market, "regular fixed investment strategy" can be said to be a time-saving and labor-saving investment method, and at the same time it can avoid the risk of unexpected buying at high points, so regular fixed investment funds are often called "lazy financial management", "fool financial management" and "small investment plan".
The fixed investment fund method combines the concept of "zero deposit and lump sum withdrawal" for time deposits, and experts help you manage your finances and avoid the trouble of stock selection. This investment method, which integrates savings and financial management, is quite suitable for young office workers who have just entered the society.
Suitable for who?
1, office workers with fixed wages:
After deducting the daily living expenses, the salary income of most office workers is often small, and a small amount of regular investment is the most appropriate. Moreover, because most office workers can't go to financial institutions to go through the subscription procedures in person during office hours, it is the most time-saving and trouble-saving way for office workers to set up automatic deduction fixed investment in designated accounts.
2. Those who need special funds at some time in the future:
For example, you have to pay the down payment for buying a house three years later, the fund for your children to study abroad 20 years later, and even your own retirement pension fund 30 years later. Knowing that there will be a large amount of capital demand in the future, planning in advance by means of regular fixed small investment will not only cause economic burden to yourself, but also turn small monthly money into big money in the future.
3. People who don't like to take too much investment risks:
Due to the advantage of weighted average investment cost, regular investment can effectively reduce the overall investment cost, reduce the risk of price fluctuation, and then improve the chance of profit.
How to choose a fund that suits your fixed investment?
At present, fixed-term fund investment is gradually accepted by investors. It is a good long-term investment and financial management choice for ordinary people to automatically deduct money for investors on the agreed deduction date through designated sales organizations such as banks.
With the vigorous development of fund industry in recent years, there are more and more funds available for investors to choose from in the market. At present, only open-end funds exceed 100. How to choose a suitable fund among many funds? Generally speaking, we can investigate from the following aspects:
First, we can examine the cumulative net growth rate of the fund. Fund cumulative net growth rate = (cumulative net share-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%.
Secondly, we can examine the dividend ratio of the fund. Fund dividend ratio = accumulated fund dividend amount ÷ fund face value. Take Rongtong Shenzhen Stock Exchange 100 Index Fund of Rongtong Fund Management Co., Ltd. as an example. Since its establishment in September, 2003, it has paid dividends for seven times, with the dividend ratio of 16%. Because one of the prerequisites for fund dividends is that it must have a certain profit, and it can realize dividends or even continue to pay dividends, which can reflect the ideal operation of the fund to a certain extent.
Third, the fund income can compare the trend of the broader market. If the performance of a fund is better than the market index in the same period most of the time, then it can be said that the management of this fund is relatively effective. If you choose this fund for regular fixed investment, the risk and return will reach an ideal matching state.
Fourth, the fund income can be compared with other funds of the same type. Generally speaking, different risks and different types of funds should be treated differently, and it is of little significance to directly compare the performance of different types of funds.
Finally, investors can also use the judgment of some professional companies to have a better measure of the management ability of fund managers.
Formulate an effective investment strategy
There is still a certain difference between regular quota and monthly "fixed deposit". You can use all kinds of flexible investment strategies flexibly to improve investment efficiency.
First, choose funds with different long-term and short-term goals.
For example, in order to raise 300,000 yuan for children to study abroad, it is more appropriate to choose a stable fund; However, if the investment period is extended and the required monthly investment amount is low, the investment proportion of active and steady funds can be appropriately allocated to obtain greater income.
Second, adjust the investment quota according to economic capacity.
With the extension of employment time and the increase of income, the total monthly investable amount of individuals or families is also increasing. Increasing the monthly deduction amount in time is also a way to shorten the investment cycle and improve the investment efficiency.
Third, we need to reconsider the content of the portfolio after reaching the preset goal.
Although it will take a long time for a fixed investment to show the best return, if the return on investment has been realized within the preset investment period, it is advisable to check whether the contents of the portfolio need to be adjusted. Regular quota is not just a monthly deduction. Using simple and flexible strategies can make your investment more efficient and achieve your financial goals as soon as possible.
Eight basic principles of fixed investment fund
Regular fixed investment funds have been adopted by more and more investors, and the advantages of regular fixed monthly automatic deduction, such as simple procedures, average cost, risk diversification and compound interest effect, have begun to be well known. However, there are several aspects that need attention, such as choosing the right fund products and grasping the profit opportunities. Here, I will systematically introduce the principles of regular quota for you, and make better use of them by observing these eight basic principles.
This way "small soldiers make great contributions":
1, set financial goals. You can deduct 3000 or 5000 regularly every month. When the net worth is high, you can buy less stocks, and when the net worth is low, you can buy more stocks, which can spread the entry time. This "average cost method" is most suitable for raising retirement funds or children's education funds.
2. Do your best. Fixed investment must be done easily and without burden. A customer once decided to deduct 50,000 yuan per month to diversify the investment target, but after a period of time, he had to take out the fixed deposit to continue investing, which was too uneconomical. I suggest that you first analyze your monthly income and expenditure and calculate the idle funds that can be saved, either 3000 yuan or 5000 yuan.
3. Choose a market with an upward trend. An oversold market with good fundamentals is most suitable for starting regular fixed investment. Even if the current 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.
4. The investment period determines the investment target. The time compound interest effect of fixed investment and long-term investment disperses the short-term risk of short-term stock market and fund net value fluctuation. As long as the principle of long-term deduction can be observed, funds with large fluctuations can actually improve their returns, and funds with high risks should have better long-term returns than funds with low risks. If the long-term financial management goal is more than 5 years to 10 or 20 years, you may wish to choose a fund with large fluctuations, while if it is within 5 years, it is best to choose a fund with stable performance.
5. insist. Long-term investment is the most important principle of accumulating wealth regularly. This method must last for more than three years to get good results, and long-term investment can give full play to the compound interest effect of regular quota.
6. Grasp the timing of termination. The term of regular investment should also be determined according to market conditions. For example, after two years of investment, the market has risen to a very high point, and after analysis, the market may enter another short cycle, so it is best to cancel the contract first and get benefits. If you are about to face capital needs, such as retirement age, you should pay more attention to the market situation and decide when to terminate the contract.
7. Make good use of partial cancellation and convert funds in time. After starting regular fixed investment, if you have to cancel the contract for temporary redemption or the market is at a high point, you are not sure about the market outlook, and you don't have to completely cancel the contract, you can redeem some shares to obtain funds. If the market trend changes, you can switch to another round of rising prices and continue to make regular fixed investment.
8. Trust experts. When you start regular fixed investment, you don't have to care too much about short-term ups and downs and share accumulation. If necessary, you can consult experts.
How to handle the fixed investment business of the fund;
Choose a fund and go to the website of the fund company to see if the fund has a fixed investment, the minimum monthly investment and which banks sell it on a commission basis. Then go to the bank counter and tell the counter staff that you have to make a fixed investment in this fund, and then the counter staff will help you do it well. You just need to fill in the documents according to the instructions. It's simple.
Deduct directly from your fixed investment amount. For example, if you decide to invest in 200 yuan and the subscription fee is 1.5%, then your actual subscription fund is 197 yuan, and 3 yuan is the subscription fee, so you don't need to go to the bank to pay it yourself.
List of major investment funds of banks
1. Fixed investment fund represented by ICBC
ICBC Credit Suisse's Core Value Fund (fund code: 48 100 1), Guangfa Steady Fund (fund code: 270002), Rongtong Blue Chip Growth Fund (fund code: 16 1605), and Nuoan Balanced Fund (fund code:) Bosera Select Stock Fund (fund code: 050004), Southern Baoyuan Bond Fund (fund code: 202654330 Southern Steady Growth Fund (fund code: 20200 1), Huaan 180 Index Fund and Rongtong 100 refer to A number funds. All funds under Baoying
2. Fixed investment fund represented by construction behavior
Great Wall Jiutai CITIC S&P 300 Index Securities Investment Fund, Shangtou Morgan China Advantage Securities Investment Fund, Rongtong New Blue Chip Securities Investment Fund, Huaxia Return Securities Investment Fund, Great Wall Jiuheng Balanced Securities Investment Fund, Jianxin Permanent Value Stock Securities Investment Fund, Jianxin Money Market Fund, Huaxia Return Securities Investment Fund, Bosera Value Growth, Bosera Yufu Securities Investment Fund, Bosera Cash Income Securities Investment Fund and Bosera Select Stock Securities Investment Fund.
3. Fixed investment fund entrusted by BOC, Harvest Growth/Growth/Steady/Bonds/Services/Ultrashort/Theme Selection, Dacheng Blue Chip, E Fund Steady Growth/Strategic Growth/Strategic Growth No.2/Positive Growth/Monthly Income A, Cai Xiang ABN Amro, Jing Shun Dingyi/BOC China/BOC Growth/BOC International Income, Yin Hua Quality Growth, Golden Eagle Optimization, and China Merchants Pioneer.
4. Fixed investment fund represented by Bank of Communications.
Huaxia Market Selection, Huaxia Bond C Charge, Huaxia Cash Increase, Cathay Golden Eagle Growth, Cathay Golden Dragon Bond, Cathay Golden Dragon Industry Selection, Cathay Golden Horse Steady Return, Cathay Golden Elephant Guaranteed Cathay Currency, Huaan Innovation, Huaan China A-share, Huaan Cash Fuli, Huaan Bao Li, Boss Value Growth, Boss Yufu, Boss Cash Income, Boss Stable Value Fund, Harvest Currency, Dacheng Selection, Fuguo Tianyi Value Growth (. Tian Rui's strong regional selection (pre-harvest), E Fund's steady growth, E Fund 50 index, E Fund's positive growth, E Fund's money market, Galaxy Yin Fu money market, Yinhe Yintai wealth management bonus, Galaxy Steady, Galaxy Income, South Active Allocation Fund, Penghua Putian Bond, Penghua Putian Income, Penghua China 50, Penghua Currency, Penghua Value Advantage Stock, Penghua Putian Bond Class B, and financing. Shenzhen Stock Exchange 100, Blue Chip Growth, Public Use of Financing Industry, Golden Eagle Small and Medium-sized Selection, Cai Xiang Hefeng Growth, Cai Xiang Hefeng Cycle, Cai Xiang Hefeng Stability, Cai Xiang ABN Amro Selection, BOC International China Selection, Yin Hua Currency A-level, Yin Hua Currency B-level, Golden Eagle constituent stock optimization, cash appreciation of investment promotion, investment pioneer, Desheng Anxin and Desheng stable wealth growth. Guolian Quality Growth (Advance Receipt), Changsheng CITIC Index Bond (Post Receipt), Haifutong Income, Haifutong Select, Haifutong Money Market, Bank of Communications Schroeder Currency, Bank of Communications Schroeder Select, HSBC Jintrust 20 16 Life Cycle.
5. Fixed investment fund represented by Minsheng Bank.
Yin Hua Advantage Enterprise, Dacheng Value, Dacheng Bond, Harvest Growth, Harvest Steady, Harvest Bond, Zhongronghua Bond Fund, Rongtong Bond, Rongtong Shenzhen Stock Exchange 100, Rongtong Blue Chip Growth, Guotai Jinlong Series, Guo Fu Tian Li Growth Bond, Rongtong Easy Payment Money Market Fund, Shenwan Paris Libao Monetary Fund and Tianzhi Tian Li Monetary Fund.