Fixed investment has the characteristics of simple operation, scattered risks and stable income. After selecting the fixed investment fund, you can start "stocking" as long as you remember to prepare sufficient sources of funds for the fixed investment account every month. Today, Bian Xiao will share with you how to realize the freedom of fixed investment of the fund, for your reference only!
Fixed investment is the abbreviation of fixed-term investment fund, which refers to investing a fixed amount (such as 500 yuan) in a designated open-end fund at a fixed time (such as the 8th of each month), similar to the bank's deposit and withdrawal method. People usually refer to funds mainly as securities investment funds.
Who is suitable for "lying down"?
The first category: young moonlight family, office workers: young moonlight family, after dealing with daily expenses, the balance at the end of the month is often small, so it is most appropriate to take a small amount of regular investment. On the one hand, you can make full use of spare money for financial management. In the long run, many a mickle makes a mickle. On the other hand, you can "force" yourself to save extra funds and cultivate good financial habits.
The second category: investors who don't like to take big risks: for risk-averse investors, compared with one-time large investment, fixed investment can smooth risks, reduce costs and obtain more stable returns for a long time. For investors who hate high risk, fixed investment is the best choice.
The third category: Xiaobai, who lacks financial knowledge: Although Xiaobai, who lacks financial knowledge, has the intention to manage his finances well, he often has the situation of "chasing high and killing down". He buys when the price is high and sells when the price is low, and misses the best opportunity for investment and financial management. By adopting the investment method of fixed investment, we can avoid the difficulty of timing, regardless of the entry time and market price, and enjoy the time compound interest through long-term investment to balance the influence of short-term fluctuations.
Is it really profitable to "lie down" and make a fixed investment?
It is very important for the fund to make a fixed investment, so don't suspend it easily. Unfortunately, investors may choose a fund at random, invest for 2 months, and then start to vomit: foundation investment is not reliable! Then the opportunity to make money in the fund does not exist.
There are two reasons to make money lying down. First, if you buy with peace of mind, you can avoid buying at a high point. Everyone wants to buy at the cheapest time and sell at the most expensive time, but the problem is that no one can predict the market. Since it is impossible to predict the market, it is better to buy things that will rise in the future at an average cost in batches.
Share a professional calculation. The Shanghai and Shenzhen 300 index, the representative index of A shares, was selected. From 20 10 to now, the real data in different time periods contain various possibilities of the market:
Second, overcome the weakness of human nature and save money. In fact, this has little to do with the fund itself. But if you think about how many people around you are moonlight, the advantages of fixed investment will appear. Hang a salary card every month and deduct it from the fixed investment; After a year, you can "passively" save a sum of money.
How to give free investment?
If you want to make the "lying" fixed investment work, you must ensure that the time, amount and target of your fixed investment are correct. First, the amount of fixed investment must be idle money, which must be inexhaustible in the short term. Secondly, the fixed investment fund must be a fund with good long-term returns, and the fixed investment period must be long-term. Then, you can "give TA freedom", let go, and you can work and live with peace of mind and better accompany your family!
Premise 1: Try to choose products that have been rising for a long time.
Monetary and bond funds are not suitable for fixed investment in essence, because their net value is relatively stable and fluctuates little. Stocks and index funds are the main varieties of fixed investment of funds.
The simplest thing is to choose a large index fund. Typically, in the past 20 years, indexes representing the overall trend of A-shares, such as the Shanghai and Shenzhen 300 Index, have an annualized rate of return of more than 10%, which is more than 10 times that of deposit banks and more than 4 times that of deposit balance treasure.
If you want to actively manage the fund, it is recommended to choose a fund manager with long-term employment and stable long-term income. It is best to balance the allocation of industries, and it is best not to choose funds that bet on a single industry.
Choosing the right product makes it easier to make money. Investors can also choose 2-3 actively managed stock funds with different styles for fixed investment portfolio.
Premise 2: Take spare money and do long-term work.
In the long run, the annualized rate of return of fixed investment 10%+ is a high probability time. Note that it is good to keep this income for a long time. Don't compare 1 with star stocks or funds that have risen by 50%. This is not the same thing.
Draw a conclusion first: make a reasonable plan according to your monthly income and invest spare money that will not be used for at least three years.
Although, through fixed investment, the risk caused by stock market fluctuation can be relatively reduced, fund investment itself still belongs to the type of medium and high-risk investment, and it is normal to go up and down 2-3% a day.
At the beginning of the fixed investment, when the total amount of the account is small, it may rise and fall by tens of hundreds of yuan a day, but with the accumulation of the fixed investment amount, it is common to enter and exit several thousand yuan a day.
It is a prerequisite to invest in funds with money that will not be used for at least 3 years, preferably 5 years. The fixed investment time is preferably 5 years or even longer. Of course, after all, it is better to take action, starting at 100 yuan a week.
The fixed investment of the fund should span at least one bull-bear cycle. Considering the China stock market, it takes almost four years for the bull-bear conversion, so it is suggested to make investment preparations for at least five years.
Premise 3: Persistence, persistence, and persistence.
If you don't want to persist for three to five years, the possibility of earning long-term benefits will naturally be low.
The essence of investment is the probability of investment, and persistence is also a blessing condition for the fund to make money.
Fidelity Fund has done an analysis of customer data to see which customers have the best investment performance, and found that it is the following three types of people:
1. The customer died, but Fidelity didn't know.
2. The account is frozen for a long time due to the death of the customer and the property litigation of the potential heir;
3. The customer forgot that he had an account and didn't log in for a long time.
Charles Munger, Buffett's golden partner, pointed out that these three types of people have overcome the biggest psychological obstacle "short-sighted loss aversion" for investors to get good returns in the stock market.
Therefore, fixed investment is an investment artifact to help you overcome human nature. You may wish to look down on short-term ups and downs and choose a good fund. Just remember to prepare sufficient sources of funds for the fixed investment account every month, give him more freedom and be a "Buddhist" investor. Let go of the burden and anxiety, maybe our investment will be more worry-free!
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