The normative definition of fixed-term investment is a fund investment mode in which an investor applies through a designated fund sales organization, agrees in advance on the deduction date, deduction amount, deduction method and the name of the invested fund, and the sales organization automatically completes the deduction and subscription in the bank account designated by the investor on the agreed deduction date.
Introduction to the advantages of fixed investment
First, invest regularly, every little makes a mickle. Investors may have some idle funds every once in a while, and increase the investment value by purchasing the target through regular fixed investment plans, which can "accumulate sand into mountains" and accumulate a lot of wealth unconsciously.
Second, there is no need to consider the investment time. The key to investment is "buy low and sell high". However, few people gain income by grasping the best trading point when investing. In order to avoid this artificial subjective judgment error, investors can invest in the market through the "fixed investment plan", regardless of the influence of entry time, market price and long-term investment decision on their short-term fluctuations.
Third, average investment and spread risks. The capital is invested in stages, with high and low input costs and relatively low long-term average, which maximizes the diversification of investment risks.
Fourth, the compound interest effect is considerable for a long time. The income of the "fixed investment plan" is the compound interest effect, and the interest generated by the principal is added to the principal to continue to derive income. With the passage of time, the compound interest effect becomes more obvious. It takes a long time for the compound interest effect of fixed investment to be fully displayed, and it is not appropriate to terminate it casually because of short-term market fluctuations. As long as the long-term prospects are good, the short-term decline in the market is an opportunity to accumulate more cheap units. Once the market rebounds, long-term accumulated units can make a one-time profit.
Fifth, 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.
For the public.
1, young moonlight clan: Because the fixed investment of the fund has two functions of investment and savings, you can leave your daily living expenses after the completion of the capital payment, and the rest of the funds will be fixed to "force" your savings and cultivate good financial habits!
2. Office workers with fixed wages: Most office workers often have a small balance after meeting their daily expenses, and a small amount of regular investment is the most appropriate. Moreover, due to the low investment level of most office workers, it is impossible to accurately judge the timing of entering and leaving the market. So through this tool, you can steadily realize asset appreciation!
3. There will be special (or large) capital needs at some point in the future: for example, the down payment for buying a house after three years, the fund for children to study abroad after 20 years, and even their own retirement pension fund after 30 years. When you know that there will be a big demand for funds in the future, it will not only cause your daily economic burden, but also make the small money every month easily turn into big money in the future.
4. People who don't like to take too many investment risks: Due to the advantage of weighted average investment cost, regular fixed investment can effectively reduce the overall investment cost, reduce the risk of price fluctuation, and then make steady profits, which is the best choice tool for long-term investors to be optimistic about the market.
Fixed investment model
There are two ways for the fund to make a fixed investment: to make a fixed investment by signing a consignment agreement with the bank, and to operate on the market by itself.
These two methods have their own advantages and disadvantages:
Bank consignment: you can deduct money from the bank regularly through agreement, which is convenient and easy to operate. The defect is that once the fund company suspends the subscription, the fund's fixed investment plan will be interrupted; In addition, there is only one price per day, which lacks flexibility. Of course, for most people, there is only one unknown price that day, which reduces the trouble of re-selection;
On-site self-operation: Generally, there will be no interruption in trading days, and the trading will be temporarily suspended only when dividends, ex-rights and major announcements are made. On the other hand, the price selectivity is strong, which is suitable for people with certain short-term experience. The disadvantage is that you need to trouble yourself and remember to operate regularly in the venue.