Generally speaking, there are two kinds of funds: single investment and fixed investment. Quota is similar to "one-time withdrawal" of bank savings. The so-called "quota" means investing in the same open-end fund with a fixed amount at regular intervals. Its biggest advantage is the average investment cost, which avoids the risk of timing. Fixed investment interval refers to a standard for investors to apply by specifying the fund sales organization and arranging the daily deduction amount, deduction amount, treatment method and fund investment name. Automatically deduct money from the deduction range designated by the sales organization to the bank account designated by the investor, and invest in the form of capital contribution.
Calculation method of financial return on fixed investment
1. Expected return on investment = return rate/principal = (market value-principal)/principal,
For example, if you invest in 1000 every month in the future, the total assets will be 2400, and the rate of return after one year, the rate of return on fixed investment = (market value-principal)/principal =(2400-2200)/ 2200 = 9.09%.
This method does not need to consider the investment times and investment cycle, but simply adds the investment funds as the principal and calculates the simple rate of return with the existing (market value-principal) as the income. This is the method we used earlier, which is suitable for situations where we don't know when to buy and sell the net value of funds.
2. Return on investment = (net fund value-average cost)/average cost
When buying and selling funds, the yield = (selling price-buying price)/buying price. This is the yield of one-time buying strategy. The fixed investment is bought in batches, so the "buying price" is the "average cost" and the "selling price" is the "net fund value at the time of selling".
2. Fixed investment cycle in financial management
1. There is no uniform regulation on how long the fund cycle is appropriate. Ordinary investors will set profit targets in the fund. When the profit target is achieved, they will hold some funds to sell profits. So time should consider your own profit points. However, fund investment generally needs to last for more than 1 year, and many people insist on it for more than 3 years.
2. When putting in funds, users can decide the amount of each investment according to their monthly income, which will not affect the normal life of individuals. Generally, it can be as low as 100 yuan. However, when investing in funds, it is necessary to choose a fund with good growth, and only such a fund has the potential to rise.