Let's talk about the final conclusion first: the shock city is the most suitable for fixed investment. Markets with obvious trends are not suitable for fixed investment. In addition, even if it is a fixed investment, we must choose a good target.

Can the fund get high returns from fixed investment? Can brainless fixed investment make money? Ha ha. . . This may be the biggest fallacy and scam in the history of China Fund! I simulated the real market performance of 2006-20 16, and found that the comprehensive income of the fund's fixed investment is not as high as that of the money fund! Old citizens should have a certain understanding of this conclusion, and finally you will cry when you know the truth. . .

According to the real historical performance from 2006 to 20 16, we (the optional foundation team) conducted a simulated fixed investment experiment:

1. experimental group: from September 2065438 to September 2, 2006 1 day, every 22 working days (i.e.1month), put 1000 yuan into the market index.

2. Control group: no fixed investment, only the cumulative rate of return at the beginning and end of the period is calculated.

But is the fixed investment really worthless? !

That's definitely not. Fixed investment is not a scam, but it is a scam to get high returns from fixed investment. If you want to make high profits, you have to think more.

So how to make a fixed investment is a smarter fixed investment?

1, fixed investment target: it is recommended to choose those funds with low subscription fees and redemption fees; It is suggested to choose etf funds linked to the stock market index (closely related to the national economic development rather than the technical and ethical standards of fund managers).

2. The more you lose, the more you buy. The less you earn, the more you don't sell: We set a goal for ourselves when we make a fixed investment, such as the cumulative rate of return 15-20%, and sell it immediately after earning this point (take profit); If the overall loss, then buy more, waiting for the arrival of the next peak (that is, to achieve the target rate of return and then sell).

After buying, wait for the market to calm down for a while, and then find a lower price to start a new round of fixed investment.

Choosing a fund is a big deal. In terms of fund recommendation, I always think that the self-selection base is the most powerful, and it is simply an artifact. The recommended quality is overwhelming. . Baidu' optional base', you will come back to thank me.