The answer to this question is simple:
If you want to use money in the short term, invest in Yu 'ebao as a savings account, because putting money in Yu 'ebao is not an investment in a strict sense (Wei Jie will write an article on this in the future).
If you are planning for 3-5 years, there is no doubt that the fund will vote.
Then, regarding the fixed investment of the fund, Wei Jie suggested that young people: the sooner they contact, the better.
Wei Jie, through previous analysis, research and earnest practice of the fund, made a fixed investment through the fund, and the annual income was not less than 15%. I also believe that if your friends master the right method, you may also make money through the fund.
Like my financial management for ten years, all kinds of pits, large and small, have been trampled, P2P has been thundered, and leeks have been cut by the stock market. After a lot of repeated practice, I found that only the fund did not lose money and really made money. Among the more than 300 students I take, most of them earn as much as Wei Jie! None of them lost money in the fund.
First of all, why is the fixed investment of the fund the best choice?
1. There are too many monsters and moths in the stock market. Especially in the current environment, Wei Jie, an old stockholder, dare not say that she understands them. And I have stopped holding positions, and I still have enough food and grass in my hand.
2. Precious metals and crude oil are also turbulent things in the next two years, so I dare not touch them for the time being. At the same time, it is predicted that the trend of the country will get better and better in the second half of the year, and friends with courage can give it a try.
3. Money and bonds, the interest rate is too bad, unless you find a good one.
4. Short-term investment funds are risky, while long-term investment funds are risky.
Ji Fankai once said: If the fund invests for one year, the possibility of loss is 30%; If the fund invests for three years, the possibility of loss is10%; If the fund invests for five years, the possibility of loss is only 3%.
If you invest in a fund for less than one year, the risk is similar to gambling.
There is a saying on Wall Street that it is more difficult to step into the market than to catch a flying knife in the air.
No one can successfully predict short-term market trends, nor can Wei Jie and Buffett.
Next, Wei Jie talked about how to make money through the fund, which is actually around:
What to buy? What do you sell?
What to buy:
1. Be sure to determine your investment amount. For example, the post-90s brother mentioned above can save 5,000 yuan every month. Sister Wei suggested 2,500 yuan as the investment amount.
2. Determine the frequency of fixed investment, that is, weekly investment and monthly investment plan. For this post-90 s brother, monthly investment is the most ideal Buddhist investment plan. As soon as the salary is paid, it will be fixed, no pressure, no pain, and step by step.
3. Use the profitability method to judge the undervaluation index: that is, enter the market when the profitability is high and sell when the profitability is low. Only in this way can we continue to make money.
4. Historical valuation to determine whether it is expensive now.
5. Hero method: the index decreases by 5%, the purchase amount increases by 10%, the index increases by 5%, and the purchase amount decreases by 10%.
6. Regular quota method
What to sell:
1. The profit rate is less than 6.4%, and it is sold in ten batches.
2. Sell when the plan is reached: for example, I plan to earn 15% and sell when the plan is reached.
3. When the bull market strikes, divide the funds into 4-5 batches and sell them in batches.
4. Strictly observe discipline.
Whether it's a fixed investment or a sale, don't be fanatical. If the fund is sold early and sold late, your hard work will be in vain.
Ps: If you want to further discuss the investment-related experience and skills with the author, you can communicate directly with the author by paying attention to the avatar in the upper right corner of WeChat official account or "Sister Lanxia" ~ You can also read more excellent articles by the author! )