After the precipitation of time, the value of things can be recognized. Isn't this a problem with the fund? So, how can we resist short-term market shocks and reap the value of long-term investment? Bian Xiao sorted out the characteristics and characteristics of the fund's fixed investment here for your reference. I hope everyone will gain something in the reading process!

Characteristics and characteristics of fixed investment of funds

1, average cost, risk diversification

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.

2. Suitable for long-term investment

Because the regular quota comes into the market in batches, when the stock market is consolidating or falling, because the regular quota is undertaken in batches, you can buy more and cheaper, and the return on investment after the stock market rebounds is better than that of a single investment. For the China stock market, it should be a volatile upward trend in the long run, so regular quota is very suitable for long-term investment and financial planning.

3. It is more suitable for investing in emerging markets and small equity funds.

For emerging markets or small stock-based overseas funds with large fluctuations in medium and long-term fixed investment performance, because the stock market callback time is generally long and the speed is slow, but the rising stock market rises rapidly, investors can often accumulate more fund shares when the stock market falls, thus obtaining a better return on investment when the stock market rebounds. According to Lipper Fund data, as of the end of June 2005, investors who continue to deduct money to invest in any emerging market or small company stock fund have an average return of at least 23%.

4, automatic deduction, simple procedures

Fixed-term investment funds only need investors to go through the one-time formalities at the fund agency, and then they will automatically deduct the subscription for each period, usually on a monthly basis, but there are also other time limits such as semi-monthly and quarterly as regular units. In contrast, buying a fund by yourself requires investors to go through the formalities in person at the agency every time. Therefore, the fixed investment fund is also called "lazy financial management", which fully embodies its convenient characteristics.

The fund controls its positions reasonably.

Man Cang and short positions are the biggest taboos for fund investment to achieve long-term investment. On the investment road, we can't control the market trend and stock price, but we can control the positions and sell as much as we buy. Position control is one of our means to resist market risks.

The judgment of the position depends on the individual's own situation. Try asking yourself two questions.

1. Do you feel uncomfortable with the current fund position?

This is a more somatosensory way of judging, and it also indirectly tests your risk tolerance. Suppose the investor's position in the fund is 50%, can you bear it when the fund falls 10%, but if the market continues to fall, can you accept it? If you don't think about tea and rice at this time, it may be that the current 50% position is a bit too high for you.

2. Is the money used to buy the fund intended to be held for a long time or for a short time?

If it is held for a long time, the position can be appropriately higher. If it is short-term, it may be affected by market fluctuations, and the possibility of fund net value fluctuation is relatively large. The position is not recommended to be too high.

From the perspective of long-term investment, if we hold an excellent fund and follow an excellent fund manager, on the basis of the bottom position, when there is a big correction in the market, we can consider appropriately adding positions on dips and gradually adding positions, instead of rebounding and leaving for bargain hunting.

When we start to buy funds, we tend to yearn for high returns and may automatically ignore the risks behind them. Position management is more like preparing in advance. Everyone's risk preference is different, and position management can be flexible. In fund investment, we should do a good job in position management and observe discipline in investment. At least we will not panic when dealing with market ups and downs, and our investment judgment and operation will be more rational and calm.

Do you have any specific ideas about when to enter the market next time before the fund redemption?

Fund products may face different market changes after redemption, no matter whether the market falls as you expected or rises as you expected, do you have any specific ideas?

When you are ready to quit, the market probability is already falling. When you enter the market again, the market probability has stabilized and is rising.

This is actually a typical "chasing up and killing down".

More importantly, the market will not develop in the way we expected. When you choose to leave to avoid market fluctuations, you will inevitably hesitate to enter the market next time.

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