First of all, let's briefly review the basic knowledge of fund investment before, so as to better connect the content of this lesson:
Keywords: regular, fixed and long-term financial management.
1. There is no need to choose the timing of the fund's fixed investment. 2. Save time and effort. 3. The threshold for fixed investment of the fund is low. 4. The fund's fixed investment spreads risks. 5. The fixed investment of the fund is mandatory. 6. The compound interest effect of the fund's fixed investment. 7. The fund will invest in stable income.
1, the fixed investment time of the fund is long; 2. The fund's fixed investment loss; 3. The fixed investment of the fund cannot be interrupted; 4. The fixed investment income of the fund is low.
There is no need to entangle the time problem, and the long-term income gap of historical backtesting is not big.
Estimated total amount of fixed investment/approximate number of fixed investment periods, and then rounded off.
The index is better, so can active funds.
Kuanji suggested two, a large-cap index+a small-cap index.
The last section is briefly reviewed. Novice or inexperienced friends, it is recommended to read the original text carefully before reading this article. Otherwise, some content is not easy to understand, and even wrong cognition will occur, which will affect the income. Please click on the link below to read it for yourself.
3,500 words and 7 explanations to teach you to understand the fund's fixed investment! Rookie becomes master, stable high income!
Next, let's talk about this article, an advanced article of the fund's fixed investment master:
It is a problem for universities to profit from funds. As the saying goes, the apprentice will buy it, but the master will sell it, especially when the fund decides to take profits. Through historical back-testing, it is found that the longer the investment time, the higher the income, but the highest when the profit is made in time. Therefore, in order to pursue the maximization of income, it is necessary for us to learn to make reasonable profits.
1. Set up funds for different types of funds, make fixed investment and make profits.
Take the broad base index as an example. As we said before, from the perspective of volatility, the SSE 50 Index Fund
2. Set the fund to make a fixed investment and make a profit according to the amount invested.
As we know, the principle of fixed investment is to smooth the cost of holding positions, wait for the smile curve, and realize the security of income. Therefore, for me, we often meet the situation of achieving the profit-taking goal in the initial stage of fixed investment. For example, we take a weekly fixed investment and invest in 10, resulting in a profit-taking rate. What should I do to save it? I don't think it should be redeemed, because although we have reached the current profit position, because the number of fixed investment periods is small and the overall amount is too small, even if we make a profit, the income is not great. At this time, we should resolutely continue to vote. It is suggested that profit-taking operation should be considered only when it reaches at least half of the total investment and reaches the target rate of return.
3. Set the fund to make a fixed investment and make a profit according to the individual's affordability.
Some people are more tolerant, some people are less tolerant, some people have a larger amount of fixed investment, and some people have a smaller amount. These are all objective. In the profit-taking operation of the fund's fixed investment, everyone can adjust the profit-taking rate according to some specific circumstances of the individual, so as to suit themselves and not generalize. Some funds are large in scale, with a yield of tens of thousands of 10%, and it is not bad to take profit appropriately. Some funds are very small, 20% of them are only a few hundred dollars, so they vary from person to person.
4. One-time redemption and batch redemption after the fund decides to make a profit.
When we meet our stop-profit conditions, we should stop-profit on the fixed investment of the fund. There are three commonly used profit-taking operations: one-time profit-taking, batch profit-taking, and withdrawal of orders.
First, the foundation will make a fixed investment and make a one-time profit: this is easier to understand, that is, after making a profit, it will be redeemed at one time, and then a new round of fixed investment will be reopened.
Second, the fund will make profits from fixed investment, and take profits in batches: this is an advanced method for the fund to make profits from fixed investment, which is suitable for fixed investment in the rising market. When the profit-taking line is reached, the profit will be stopped first, such as one-half or one-third, and then the market will gradually stop profit in batches. This method can fully enjoy more benefits brought by the rising market, but the premise is a general grasp of the market, and improper operation may also reduce the benefits.
Third, the fund's fixed investment will stop profit, and cash withdrawal will stop profit: this is also an advanced method for the fund to stop profit. When our fund makes a fixed investment in the take-profit line, we will do nothing, stop making fixed investment operations, set an exit range, say 3%, and then wait. If it keeps rising, it will stop making profits. This is also a good way to improve income, which can be combined with taking profit in batches and has better effect. The specific target point should be formulated in combination with the actual situation, and the profit should be very rich if it is used well.
At present, many platforms have developed some fixed investment funds assisted by certain big data algorithms on the basis of fixed investment funds, which are collectively called smart fund fixed investment. At present, various platforms, such as Tian Tian Fund, Ant Wealth, Egg Roll and WeChat Financial Management, have been launched slowly. Some platforms have published specific algorithms or principles, while others just talk in general terms. It is not good to generalize without personal verification. However, judging from the reaction of second-hand fund friends, some smart fixed investment is still relatively reliable, and the income can exceed ordinary fixed investment.
In fact, the principle of smart fixed investment is nothing more than adjusting the fixed investment amount through big data analysis, buying more at low positions and buying less at high positions. Then through the algorithm, combined with one or more of the above profit-taking methods, optimize the profit-taking results. It is undeniable that big data analysis is a very practical method, and I often combine it with data analysis, but the quality of the algorithm directly determines the final income. At present, smart fixed investment is also a trend. After all, smart fixed investment will surpass ordinary fixed investment or even replace ordinary fixed investment, but some of them may not be mature enough now. Treat it differently, and friends you like can try it.
There are many related contents about the fixed investment of the fund. One or two articles are thousands of words. I only wrote the main 10 and accumulated more than 7000 words. There's still a lot to write. The code words are very hard, so I won't write them one by one. Finally, I will briefly answer a few high-frequency questions, and then have time to concentrate on writing an article to solve some problems about the fixed investment of the fund.
1. Is it better to invest in a fund with large fluctuations or a fund with small fluctuations?
Of course, it is good to invest in funds with large fluctuations. Theoretically, the bigger the fluctuation, the higher the income, but only if you can withstand such a big fluctuation.
2. Which income is higher, fixed investment or one-time purchase?
It depends on the buying position. For example, from now on, the increase of a fund is 65,438+00%, 65,438+00%, 20%, 65,438+00%, 20%, 65,438+00%. To put it simply, this fund rose by 20% from the origin, then fell back to the origin, then fell to -20%, then rose back to the origin, and finally rose by 10%.
If you buy from the lowest point, the one-time income is the highest, even much higher than the fixed investment of the fund. As the one-time buying position moves up, it gradually coincides with the fund's fixed investment income, and the one-time buying income will be lower than the fund's fixed investment, or even become negative. However, the fund's fixed investment is ultimately a positive return.
I think I've made myself clear. If you pursue the maximization of income and can judge the trend, then choose the strategy of buying funds at one time or in batches. If you only want to pursue low and stable income, then choose the fund to vote.
3. How to set the fund's fixed investment dividend?
As we know, there are only two kinds of fund dividends, namely cash dividends and dividend reinvestment. First of all, we understand that fund dividends do not generate additional income, but only dilute your fund share. For the fixed investment of the fund, our purpose is to accumulate more shares, so it is best to choose dividends for investment. If it is going to the profit-taking line soon, it is suggested to choose cash dividends, because if you choose to reinvest dividends and redeem them in a short time, this part of the newly bought funds will have to pay part of the redemption fee, which will inevitably increase the cost.
Ok, the article on advanced skills of fixed investment of funds ends here. I accidentally wrote another 3000 words, and today I wrote a total of 10000 words. My shoulder is starting to hurt, so I won't write today. There are not many chapters mentioned in this article, but they are more detailed and everyone can understand them. If you don't know them or have other questions and questions, please leave a message for discussion. Let's discuss it together, hoping to sum up a better fund investment method for more fund investment friends to learn from.
Finally, thank you for your long-term concern and support. During this period, the number of fans increased rapidly. Sometimes I leave too many messages and my energy is limited. Please forgive me for not replying one by one. I will try my best to read them all. I hope you can make more good suggestions.