Question 1: What does the fund mean by fixed investment? What are the benefits of it? Fixed investment means that you buy 200 yuan's fund regularly every month.

Calculation formula of fixed investment income of fund

Calculation formula of fund fixed investment income:

m=a( 1+x)[- 1+( 1+x)^n]/x

M: Expected income.

A: Fixed investment per period.

X: the first yield

N: fixed duration (n power in the formula)

Let's give an example.

We set a monthly fixed investment in 500 yuan, with an annual income of 65,438+02% and fixed investment for 20, 25 and 26 years.

M20 is about 480000

M25 ≈ 89 thousand

Anyway, this formula makes me dizzy-

Fixed investment can be terminated in advance:)

Question 2: What does fixed investment mean? Fixed investment is an investment behavior of buying a fixed amount of funds on a fixed date every month. There are several ways to buy funds: 1 at the bank counter (not recommended for higher rates) 2. On the website of online banking or fund companies (recommended), first go to the bank to open online banking, and then go home to buy or invest in funds. 3. Buy a securities account in a securities company (the rate of buying funds in securities accounts is not dominant, while the rate of trading funds in the secondary market is the lowest but the risk is high, so it is not recommended for new investors to buy).

Question 3: What is the fixed investment of the fund and how to operate it? I heard from friends that the fixed investment fund is good-provided it is fixed for a long time.

I don't know what the benefits and risks are. -this can't be generalized. Different fund types, different stock market conditions and different funds are very different.

Look at your problem. You don't know much about funds. This is a question I have answered for many novices, which is more universal. You can have a look first.

1. What is a fund?

I want to ask you first: Do you know what stock trading is?

If you know, it is easy to say that the fund (stock type) means that we give money to the fund company to buy stocks. Then why don't we buy it for the fund company? Because the professionals of fund companies have a higher level of stock trading than ordinary investors (this is the most commonly used temptation word when fund companies persuade everyone to buy funds).

Therefore, investing in stock funds is an indirect investment in stocks, so funds will bear the risks of stocks more or less. Many investors, in fact, don't know that the fund is indirectly investing in stocks, so they think that the fund is making steady profits, which is all wet.

Because we give money to fund companies to buy stocks, we always give people some labor costs, so there are subscription fees and redemption fees.

Of course, as a fund company, because of its professional personnel (rich professional knowledge of stock trading) and huge funds (you can buy a lot of stocks), it is objectively easier to make profits than retail investors. That is, many people think that funds are the first choice for investment, rather than touching stocks.

In addition, there are bond funds. Buying bond funds is equivalent to giving money to fund companies to buy bonds. Maybe you will ask: Why not buy it yourself? Because fund companies have a lot of money and are institutions, they can buy many corporate bonds that are not open to ordinary investors, and the income is much higher than the national debt we can buy.

I wonder if you can understand.

Let's just put it this way: a fund means that many people give a fund company a lot of money to buy stocks or bonds.

2, the difference between funds and stocks

If you want to know the difference between funds and stocks, you'd better know that funds have stock types and bond types.

Generally speaking:

Stock fund-that is, you give money to others and others buy stocks for you. There is no essential difference with stocks. Because fund companies don't just buy stocks with your own money, many people give money to fund companies to buy stocks, so the number of stocks that fund companies can buy is more than the number of stocks that you can buy with your own little money. Naturally, the money to buy stocks for fund companies is less risky than the money you buy directly. Therefore, the stock fund is less risky than the stock, but it is the most risky and profitable fund type.

Bond fund-that is, you give money to others and others buy bonds for you. The difference between stocks and stocks is obvious.

3. Fund investment costs

Monetary fund-free.

Bond fund-subscription fee is about 0.8%; The redemption fee is 0. 1%-0.3% (within one year). The redemption fee decreases with the extension of the holding fund, and is generally free for more than three years.

Stock funds-subscription fee 1.5%, redemption fee 0.5% (within one year). The redemption fee decreases with the extension of holding the fund, and is generally exempted for more than three years.

This is only a rough standard. The rates of buying funds at bank counters, online banking and fund company websites are different, among which the fund company website is the most favorable. Therefore, you must be clear when you buy it.

Whether it is subscription or redemption, the handling fee is calculated according to the amount.

Take stock funds as an example to calculate:

Subscription (subscription according to the amount, that is to say, buying a fund of 654.38+10,000 yuan):

Suppose the net value of a fund on the day of your subscription is 0.850 yuan.

Handling fee:100000×1.5% =1500 yuan.

Actual subscribed capital:100000-1500 = 98500 yuan.

Subscription share: 98500 ÷ 0.850 =115882.35.

Redemption (redemption by share, that is, xxxx shares of the redemption fund):

Suppose the net value of a fund on the day of your redemption is 1.250 yuan.

Fund amount:115882.35×1.250 =144852.94 yuan.

Handling fee: 144852.94×0.5%=724.26 yuan.

......& gt& gt

Question 4: What do you mean by fund purchase and fixed investment? ? What is the difference? Fixed investment of funds is the business that banks regularly deduct money from bank accounts to purchase funds on fixed trading days, which is different from general fund purchase in the following ways:

1, the amount of each fixed investment can be much less than the minimum amount of general purchase.

2. Some funds can still receive fixed investment business under closed conditions, but general subscription cannot. arc

3. If the fixed investment exceeds a certain period (such as one year), the subscription rate can be given a certain discount (such as 10% discount).

The fixed investment of the fund can be handled at the counter or online banking. At the counter, you should provide your smart card and ID card, and choose the name or code of the fund you want to invest in. To handle online banking, you need to select Online Fund-Fund Transaction-Fund Fixed Investment Settings. Select a fund in the list, fill in the fixed investment period and the fixed investment amount of each period, and you can complete the fixed investment settings, and automatically deduct the money on the first trading day of each month.

The funds that ICBC can invest in are only part of the funds sold by ICBC, and not all the funds sold by ICBC can invest. Funds with 10 1 can make fixed investment. Please log in to online banking for details.

Question 5: What is the difference between fixed investment and ordinary fund trading? The so-called fixed investment means to invest a fixed amount in a fixed fund every once in a while, usually one month, regardless of the time of entry or the fluctuation of market prices, and then make a fixed investment. Adding fuel to the flames, new investors will bear the psychological pressure of losing money in the short term if they buy at the wrong time. According to long-term experience in overseas markets, generally choose high-volatility fund varieties such as equity funds. Has the following advantages: 1, regular investment, many a mickle makes a mickle. 2, lazy financial management, simple procedures. 3. Average cost and spread risks. Pay attention to investment: 1, long-term persistence, 2, ability, 3, pay attention to the timing of termination.

Question 6: What is the fixed investment of the fund? 1. Make a fixed investment with a monthly income of not less than 10%~20% every month.

2. It is recommended to invest in index funds or equity funds instead of bond funds and money funds. Jiashi 300 and Huaxia 300 are recommended. ......

3. Choose old funds with stable performance of well-known companies for more than three years. The top ten fund companies are Huaxia, Bosera, Jiashi, Nanfang, Cathay Pacific, Guangfa,

Guo Fu, Yifangda, Dacheng .....

4. It is best not to invest less than one market cycle, that is, not less than the complete journey of a bull and bear market. It is best to go from bear market to bull market, not from bull market to bear market.

.

In fact, the best way of fixed investment is to invest continuously for more than ten years, insist on it every month without interruption, and it is best to make a fixed investment for life.

Don't be too scattered. It's best to choose one or two good funds for continuous investment. Don't turn around and don't be too scattered.

6. Don't be afraid to terminate the fixed investment in the bear market. Instead, increase the fixed investment, because you can buy more chips.

The bull market can invest less, but it doesn't have to end. Never invest more in a bull market, because the more you buy on rallies, the greater the chance of being quilted in the future. Suggest joining

The bull market adopts a fixed investment every other month, that is, the money is remitted to the card every other month for a fixed investment transaction, and the money that has not been invested in other months is accumulated aside until the bear market has a low price.

When you get to the position, you can buy it once or in batches, and you can eat more stocks. The bear market will still be fixed.

7. If you don't stop the deduction for three consecutive months, you will automatically terminate the fixed investment agreement and have to open it later.

8. Long-term fixed investment proposal: dividend reinvestment+back-end charges.

9. Keep a clear head, don't waver, stick to the fixed investment every month, and don't be influenced by outside rumors and terminate the fixed investment. Just a few hundred dollars a month. Raise your hand.

Old people can lay a good financial foundation for the future.

Please refer to My Space for more information.

Question 7: What do you mean by fixed investment? Fixed investment is the abbreviation of fixed-term investment fund, which refers to the investment in a designated open-end fund at a fixed time (such as the 8th of each month) with a fixed amount (such as 500 yuan), similar to Gong Bank's zero deposit and withdrawal method. This kind of investment can average the cost and spread the risk, which is more suitable for long-term investment.

Question 8: What is the difference between a fund and a fund's fixed investment? The fixed investment of the fund is a kind of fund purchase method.

You can choose to buy n copies at one time, or you can choose to buy them regularly every month.

The minimum one-time purchase is 5000. The minimum monthly investment is 200 yuan.

Question 9: What do you mean by fixed investment? You asked at the right time. Yesterday, the investment general manager of CITIC Bank told us in the lecture, but she said that the fund is a fixed investment, and she has never heard of such a thing as a fixed investment in stocks. The head of a stock should invest regularly and withdraw by stages, just like a fund. Investing in stock funds may also be called it.

Because the biggest factor of wealth loss now is inflation, the fixed investment of the fund is a very stable investment method, which is suitable for people with less bank deposits or people with jobs.

? What is the fixed investment of the fund?

Generally speaking, there are two ways to invest in funds, single investment and regular quota. The method of regular quota is similar to the "zero deposit and lump sum withdrawal" method of bank savings. The so-called "fixed quota" means investing in the same open-end fund at regular intervals (such as 25th of each month) with a fixed amount (such as 500 yuan). Its biggest advantages are average investment cost and avoiding timing risk.

? Advantages of periodic quota

First, invest regularly, every little makes a mickle. Investors may have some idle funds from time to time. By purchasing funds through regular fixed investment plans and increasing the investment value, you can "accumulate sand into a tower" and accumulate a lot of wealth unconsciously.

Second, automatic deduction, simple procedures. You only need to go to the fund agency to go through the one-time formalities, and the deduction subscription for each period in the future will be automatic.

Third, average investment and spread risks. The capital is invested on schedule, and the input cost is relatively average, which maximizes the risk dispersion.

Because the fixed investment of the fund is not bought at the same time, it can effectively avoid risks, but it may not be able to maximize the income. As you said, selling above the average fixed investment, that is, selling at a high point will definitely make a profit, but it depends on how you grasp the actual selling. Everyone knows this truth in the stock market, but not many people really do it. If you want to buy in 4 yuan, you can make a profit by selling above the average value. Fixed investment only means that your investment method is regular investment, lump sum deposit and withdrawal, and your method should be regarded as fixed investment.