1, select fixed investment: fixed investment can be selected and deposited in 500 yuan every month, which can be accumulated for a long time;
2. Choose current financial management: for example, investing in money fund products and innovative deposit products can ensure the flexibility of funds and only need to bear lower risks;
3. Choose lump-sum deposit and withdrawal: deposit the money in the bank and choose lump-sum deposit and withdrawal, so that the income is higher than the current period.
It is difficult for ordinary investors to grasp the right investment opportunity in time, and they often buy at the high point of the market and sell at the low point of the market. However, the fixed investment mode of the fund is adopted. No matter how the market fluctuates, the fixed investment fund will be fixed for one day every month, and the bank will automatically deduct the money, and automatically calculate the number of fund shares that can be purchased according to the net value of the fund. In this way, investors buy funds on schedule, and the investment cost is relatively average.
Automatic investment plan
Fund Fixed Investment (2 pieces)
For example, if you invest 100 yuan in an open-end fund every two months, the number of shares you can buy each time is 100, 105.3, 165, 438+065, 438+0 and 108 respectively. If the cumulative share is 6 1 1.2, the average cost is 600÷6 1 1.2=0.982 yuan, and the return on investment is (1.1× 6/kloc. (Note: Fund investment is risky, and the past examples are for reference only, not as a hint or guarantee of fund investment return. )
Suitable for long-term investment
Because the regular quota comes into the market in batches, when the stock market is consolidating or falling, because the regular quota is undertaken in batches, you can buy more and cheaper, and the return on investment after the stock market rebounds is better than that of a single investment. For the China stock market, it should be a volatile upward trend in the long run, so regular quota is very suitable for long-term investment and financial planning.
The survey results of investors in Taiwan Province Province show that about 30% investors choose the way of regular fixed investment funds. Especially in the 3 1-40 age group, as many as 36% people are engaged in this investment.
The survey of investors' satisfaction with investment tools shows that the satisfaction of investors who buy and sell Taiwan Province stocks is 39.5%, that of investors who buy Taiwan Province funds alone is 55%, that of investors who invest in overseas funds alone is 52.5%, and that of investors who invest in fixed funds regularly is as high as 53.2%, which further shows that investors prefer low volatility and pursue long-term stable value-added investment and financial management methods.
Markets and funds
For emerging markets or small stock-based overseas funds with large fluctuations in medium and long-term fixed investment performance, because the stock market callback time is generally long and the speed is slow, but the rising stock market rises rapidly, investors can often accumulate more fund shares when the stock market falls, thus obtaining a better return on investment when the stock market rebounds.
According to Lipper Fund data, as of the end of June 2005 to the end of June 2008, the average return rate of investors who have continuously deducted money to invest in any emerging market or small company stock fund in these three years is at least 23%.