Is it better for a novice to buy a fund?
For beginners to buy funds, fixed investment is a more recommended and suitable way. However, both fixed investment and one-time purchase have their own advantages and applicable scenarios. The following is a detailed analysis and introduction:
1 Fixed investment on a regular basis: Fixed investment refers to the purchase of funds at regular intervals (such as monthly or quarterly).
1. Disperse the risk of market fluctuation: Regular fixed investment can disperse funds into funds, avoiding the risk of centralized investment.
2. Average price investment: Because the strategy of regular fixed investment is to buy at a fixed amount, it can achieve "equal profit opportunities", that is, buy less stocks when the market price rises, and buy more stocks when the market price falls, with an average purchase cost.
3. Establish good investment habits: Regular fixed investment requires continuous investment discipline, which helps to develop good long-term investment habits.
2 One-time purchase: One-time purchase refers to a one-time investment of a large amount of money to buy a fund.
1, immediately participate in the market: you can immediately participate in the market with one-time purchase and enjoy the opportunity of market return.
2. Simple and efficient: Compared with fixed investment, one-time purchase is simpler and more efficient.
If your investment goal is long-term appreciation, if time permits, then fixed investment is a good choice, and long-term compound interest can be achieved through long-term continuous fixed investment, while one-time purchase may be more suitable for those investors who have made market predictions or have a clear position adjustment strategy.