Although the fund's fixed investment is a good thing, many media now deify the fund's fixed investment. For example, if you package this investment as "high-yield", "risk-free" and "don't worry", you can even hear the slogan "10 times investment is not a dream". In fact, the fixed investment of funds is just one of many fund investment strategies, which is a very common strategy. The following is Bian Xiao's collection of 202 1 scenes that are not suitable for fixed investment funds _ steps for ordinary people's wealth growth. I hope I can help you.
Scenes that are not suitable for fixed investment funds
1 Funds with relatively stable returns such as bond funds and money funds are not suitable for fixed investment. This kind of fund has relatively stable income and low risk, so it is not necessary to make fixed investment to reduce the risk. On the contrary, fixed investment will only reduce the holding time of the fund and reduce the investment income, which is not cost-effective.
2 big bull markets are not suitable. Seeing the arrival of the big bull market, the net value of the fund is rising at a speed visible to the naked eye. If you still invest in the fund slowly, it will only make the subscription cost of the fund rise continuously, thus narrowing the income space of the fund. It may be a good idea to directly lay out the bottom layout and wait for the market to rise.
3 short investment time is not suitable. It is also inappropriate to know exactly that you need money in the next six months or a year, but also to use the fund to make a fixed investment. It is necessary to know that a fixed investment can only reflect its value if it has experienced the full fluctuation of the fund. If the investment time is too short, it is very likely that the net value of the fund will only fall and not rise, which is simply stretched.
Hot money keeps pouring into the fund market. If you ask anyone casually, you will never know which hot money is "leek seedling" and which hot money is "cash cow". It seems that investing in this thing is lucky. If it is a fight for character, then who admits that he is poor!
The steps of ordinary people's wealth growth
1 the power of compound interest. If you have 200,000 cash now, if you don't manage your finances, if the annual inflation rate is 5%, then your purchasing power after 10 is only 122782.65 yuan. If you are a person with financial ability. It is also 200,000 yuan, with annualized income 15%, so that the money will continue to increase in value with compound interest. Then after 20 years, your 200,000 yuan, including principal and interest, will become 809 1 1.55 yuan. With such a contrast, will you be surprised by the power of compound interest? Is there a driving force for financial management and wealth appreciation? Can have such understanding, then act quickly!
2 change ideas and learn financial management knowledge. If you want to increase the value of wealth, you must first know how to manage money. Many people don't know how to manage money. Have extra savings or put them in the bank, so that the savings will continue to depreciate. Or buy some wealth management products with low annualized interest rates. Some friends don't know how to manage their money. What friends say about high income is what they do. As a result, all their hard-earned savings were squandered. So look at it from another angle, don't wait for the money to depreciate, or follow others to make investments that you don't understand at all. Only by knowing how to manage money and understanding some financial knowledge can we find the right way to save and increase wealth. Where can I learn financial management knowledge? Needless to say, in the information age, there are many ways to learn.
3. Restrain consumption and force saving. Ordinary people live on wages and support themselves and their families through their monthly wages. Can't you manage your finances by salary? Definitely not. First of all, we should plan our monthly salary reasonably. How much money is spent on consumption, how much money is spent on savings and how much money is spent on financial management must be planned.
Principles of financial management of investment managers
1 Establish your own correct view of money. In today's commodity society, people can't live without money, so we must work hard to make money and use it to meet various needs in daily life. Money can help us to be happy, which is of great significance both in financial management and in our own life. But you can't take money as your life goal, let alone break the law and make money by violating your conscience or damaging your health.
Know your financial situation. If you want to succeed in investment and financial management, you must first know your financial situation, because only by knowing your financial situation can you make a reasonable investment and financial management plan and better determine your financial management goals.
3 bookkeeping. If you want to have a good financial situation, you must learn to keep accounts, record all kinds of income and expenses in your daily life in detail, and then see if your income and expenses are balanced, which expenses are unreasonable, and then reduce and reduce which unreasonable expenses to achieve a balance of payments.
4. Reasonable diversification of investment and financial management risks. When managing money, everyone will hear a saying, don't put your eggs in one basket, which means that you should make a good portfolio investment when investing, and choose several investment varieties that suit you, such as stocks, funds, bonds and savings. , reasonable collocation, diversification of investment, thereby reducing risks.