The following investors are suitable for fixed investment:
(1) office workers: There is not much money left every month; Not familiar with the securities market; I don't have time to go to fund sales agencies often.
(two) people with special economic needs at some point in the future:
1) Newcomer: Buy a house and get married;
2) Couples with children: accumulate children's education funds;
3) Middle-aged people: plan for retirement.
(3) Investors with low risk tolerance.
3. What kind of fund is suitable for fixed investment business?
The original intention of "regular fixed investment" is to eliminate the fluctuation of the stock market, reduce risks and obtain investment income through the concept of average investment (time and amount). Therefore, if the selected fund does not fluctuate up and down, such as monetary or bond funds, there is no chance to make a profit, so choose a fund with a higher degree of fluctuation. Most of the investment targets suitable for "regular fixed investment" are stock funds or index funds.
4. Compared with one-time investment funds, the fixed-term investment mode of funds has the following advantages: 1. Compulsory investment, wealth accumulation and legal tax saving.
Regular fixed investment of the fund automatically deducts a fixed amount from the investor's passbook account every month for fixed investment, which can effectively help investors develop the habit of planned savings and investment and accumulate wealth. Moreover, compared with the stamp duty on stock investment and the interest tax on deposit interest, the income from fund investment is now tax-free. Regular investment plans have the effect of compulsory investment. For the working class, a certain proportion of funds are reserved from wages and bonuses every month, and they are invested in fund products over time in pursuit of higher returns. This investment method is especially suitable for young people who have just worked and have little savings. If this investment method is adopted, the payday is set as the automatic deduction date, the investment is forced, the life of the "moonlight family" in the past is restrained, the expenditure is reasonably arranged, the long-term financial management goal is determined, and the good habit of long-term financial management is formed over time, and small money can be accumulated into great wealth. 2. Average cost, reduce risk and benefit long-term investment.
Macroeconomy is cyclical, and the stock market also has bull market and bear market. Regular fixed investment can save investors the trouble of buying at the right time, and can also largely avoid the risks brought by the wrong time to enter the market. Combined with the high volatility of the current securities market, the net value of short-term funds fluctuates greatly. Regular fixed investment of the fund can effectively share the subscription cost of the fund and avoid the risk of excessive fund cost in the short term caused by one-time high subscription. Use a fixed investment fund to invest, no matter how the market fluctuates, you will regularly buy a fixed amount of funds. Therefore, when the fund price goes up, you buy fewer units, while when the fund price goes down, you buy more units, which can achieve the effect of long-term average cost. The procedure is simple and quick, and the contract can be terminated at any time.
After investors go to the bank counter to handle the business formalities of fixed-term fund quota, as long as there is enough balance in the customer's passbook, the bank will automatically deduct the money for investment every month, without the customer going to the bank to transfer money, which is convenient, fast and labor-saving. At the same time, if the customer needs to cancel the regular quota business of the fund, he can cancel the contract at the counter at any time without any punishment or restriction. 4. Every little makes a mickle.
Regular fixed investment, the investment threshold is very low. Generally speaking, the minimum subscription limit of a single subscription fund is 1000 yuan, and the minimum subscription starting point of regular quota is reduced to 100 ~ 500 yuan. Even if investors are not well-off at present, they can still enjoy the professional financial management services of fund companies. Investment skills
Choose a fund company with rich investment experience and trust.
Determine a financial goal first.
Do what you can and reasonably determine the monthly deduction amount.
Start early and persevere.
After reaching the preset goal, we need to reconsider the contents of the portfolio.
5. How do open-end funds buy, sell and invest? 1. Several common ways to buy and sell funds:
1. Buying and selling funds in the fund company official website, disadvantages: 1) Online banking must be opened; 2) Fixed investment is not very convenient, and it needs to be registered on the websites of many fund companies; 3) If the bank card is lost, it is very troublesome to change the bank card account number (evidence of issuing a certificate in the bank or changing the card must be mailed to the fund company); Advantages: the subscription rate is low, the front-end charge is generally around 0.6%, and the back-end is the same;
2. Trading funds at the bank counter has the advantages of security, convenient fixed investment and various types of funds; Disadvantages: 1) time limit, trading must be conducted from 9: 30 to 15: 00 from Monday to Friday (except for legal holidays and stock market closing time); 2) Running back and forth in the bank queue is a waste of time;
3. Advantages of using online banking to buy and sell funds: 1) Safety is guaranteed. Although online banking is used, there is actually no need to open the online banking transfer and remittance function, so when trading or investing in funds and Internet cafes, there is no need to worry about affecting the safety of funds in bank cards; 2) It is convenient to buy or invest in funds (as long as there are computers and networks), and there are many types of funds; Disadvantages: Must have network and computer and simple computer operation knowledge;
4. Use mobile banking to buy, advantages: In addition to using online banking to buy and sell funds, it is more convenient and faster to make a fixed investment or buy and sell funds; Disadvantages: 1) You must have a mobile phone with Internet access and WAP (monthly subscription is recommended); 2) Some mobile phone banks have a monthly fee, and CCB mobile phones are exempt from a three-month monthly fee; 3) Most banks can't vote online.
5. Other ways, such as securities companies, telephone banking, fund direct sales offices, etc.
2. Basic procedures for recommending trading funds. It is suggested to use the online banking purchase fund and fixed investment fund of China Construction Bank. The process is as follows (taking the construction behavior as an example, the process of other banks is basically the same) 1. For handling bank cards or existing bank cards, it is recommended to use CCB cards or salary cards;
2. On trading days (Monday to Friday from 9: 30- 15: 00, except legal holidays and A-share closed days), I bring my ID card to the bank counter to apply for online fund investment (online transfer and remittance function is not required).
3. After online registration, first open a fund account on the Internet or mobile phone website, and then set the name/date and amount of the fixed investment fund. Generally, the minimum requirement for a fixed investment fund is 100-300 yuan for one month, or you can purchase the fund directly, with a minimum of 1000 yuan;
4. Redemption is easier. After logging in to the online bank, click Redemption (it will arrive in 3-7 days).
5. Inquire about fund net value/share/profit and loss, etc. , and you can log in to online banking for inquiry.