As far as the fund investment trend buying method is concerned, the main principle is that the main trend represents the basic trend of the whole, and the duration may be within one year or even several years. Correctly judging the direction of the general trend is the most important factor for the success of investment behavior. Investors should avoid making mistakes in judging megatrends, buy or subscribe funds after the trend is formed, and sell or redeem them before the trend changes. This will not maximize the benefits, but the risk is relatively small. There was an important rebound when the market as a whole fell. Investors should focus on reverse thinking, buy or subscribe for funds when there is excessive selling pressure in the market, wait for reversal and hold them for a long time. However, we must pay attention to the selection of fund products of fund companies and the "three golden rules of investment funds" in the securities qualification examination. When the market as a whole is in an upward trend, including the second' turning' trend, the average duration is more than two years. Investors can sell or redeem funds when the market is good.
As far as the installment purchase method of fund investment is concerned, it is also a regular investment. This method is to buy designated fund products at regular intervals (months) with a fixed amount. Suitable people are: stable jobs, fixed income and great future consumer demand, such as buying a house, educating children and supporting the elderly. For example, white-collar workers, civil servants and freelancers. This kind of investors have general risk tolerance, always pay attention to the changes of funds, want to avoid risks and obtain high returns, and take medium and long-term holding as the main investment method. Fixed investment is characterized by dispersing the subscription or subscription risk of investment funds at a higher price in a certain period of time, which will generally reduce the average cost of purchasing each fund in the long run. The advantages of this investment method mainly include: lump sum deposit, many a mickle makes a mickle; Average cost and spread risk; Avoid emotions affecting investment decisions; Automatic transfer is convenient and worry-free. The sooner you make a fixed investment, the better your income may be.
Fund fixed proportion investment method, that is, investors invest their funds in different types of funds such as index funds, stock funds, active allocation funds and bond funds according to a fixed proportion. When the investment ratio of a fund changes due to the change of its net assets, it will quickly sell (redeem) or buy (subscribe) the fund and keep the original allocation ratio unchanged. Assuming that the value of equity funds has increased by 20%, investors can sell or redeem 20% of equity funds, or buy or subscribe for additional bond funds and money market funds, and the investment ratio has also increased by 20% respectively, thus maintaining the original investment ratio of investors. If stock funds fall, investors can buy a certain proportion of stock funds, or sell or redeem some bond funds and money market funds to maintain the original investment ratio. The characteristic of fixed proportion investment is: 1, which can keep the cost stable for investors. 2. This strategy enables investors to really own the money they have earned, and will not make the gains they have gained go up in smoke because of excessive expectations of further price increases. 3. Keeping all kinds of funds to allocate the investment amount in proportion can effectively resist the investment risk, and will not make the investment amount lose a lot because of the poor performance of a certain fund. 4. If the market price fluctuates, the fixed proportion investment strategy is better than the buy-and-hold strategy.