Every month, I only remember that the 300 yuan Shanghai Composite Index was adjusted from more than 6,000 points to more than 1900 points, and then it rebounded strongly at more than 2,900 points. However, due to less investment, my classmates who earned only a few hundred dollars told me that the fund's fixed investment was insisting, and there was not much interest in depositing money in the bank. The fixed investment of the selected fund will last for a long time, and the principal is accumulated. Once the stock market is out of the bull market, the income is definitely better than saving money. Students who are interested in eating are professionals and have been advising me to eat enough.
I have always insisted on fixed investment, and with the increase of income, I increased my investment. At most, I invested 2500 yuan every month in the bull market of 20 15. Because I needed money to buy a house, I redeemed all my fund shares in April for six years. I have been investing about 654.38 million yuan in principal and earned more than 80,000 yuan. In contrast, the income is more than three times the bank's regular interest. The result is satisfactory. Last summer, I began to choose a fixed investment fund and invested 4000 yuan every month. I have persisted for more than a year now, and my income is not much, but I am not in a hurry, because the time has not yet arrived. ?
I am also an old citizen with 10 years of investment experience. In the past 10 years, the fixed investment of the purchase fund can be said to have certain gains and losses. Here are some lessons for your reference. Investing in the first fund is a very suitable way for us minority people to invest in financial management. Buying a fund is essentially giving money to professional stock investors, who will invest in stocks on our behalf, because first of all, an excellent fund company is many times better than most of our small retail investors in market judgment, industry and company selection, risk control and information acquisition.
Secondly, the essence of the fund's fixed investment is to invest in the stock market at the average market price, which is relatively stable. Although the return is not very high, the risk is not high. There is also a fund investment that does not require you to invest too much time and experience and will not affect your work, study and life. So the fixed investment of the fund is a very suitable financial management method for ordinary people?
The second fund must vote with spare money. Because the fund mainly invests in the stock market, there are certain risks in the fixed investment of the fund. If you use money that needs to be spent in a short period of time, such as money for buying a house, money for children to go to school, money for business turnover, or money for seeing a doctor, then once the stock market is in a bad mood for a while, you can only choose to give up what you want. On the contrary, if you use spare money to buy a fund to make a fixed investment, you don't have to worry about losing money for the time being. Just wait until the good time comes, and then make money easily with profits. The third fund must choose an excellent fund to invest. There are more than 4,000 stocks and hybrid funds in the market, and the investment level and performance of so many funds are uneven. The investment income difference between the excellent fund and the poor fund is several times or even ten times.
It can be seen that the premise of the fund's fixed investment is to choose excellent long-term investment, so how to ensure that the selected fund is a quality fund? My experience is to choose fund companies with a long history and large scale, and then carefully select funds with good short-term and long-term performance. Specifically choose the top 50 funds within six months, one year, three years and five years. Such funds perform well in the short, medium and long term, and are reliable, stable and trustworthy. The fourth fund must be patient, but not as long as possible.
In order to get a good return, we must seize a good redemption opportunity. The fixed investment of the fund must adhere to long-term continuous investment for at least three years, and it is not allowed to cut off the supply at will, especially during the period of falling net value. This is a good opportunity to reduce our investment cost, and we must not miss it. Only by long-term investment can we accumulate enough principal, and once the market runs well, we can get considerable benefits. ?
Of course, the longer the investment, the better. Sales is a master. It is very important to grasp the redemption opportunity of the fund's fixed investment. Let's talk about the redemption opportunity of the fund's fixed investment first
First, the stock market has stepped out of the big bull market with a large index range. At this time, avoid greed, decisively redeem and settle down. There is a rule in the China stock market that there must be a big drop after a big drop. If you don't redeem it decisively, the stock market will fall and lose money. Wouldn't it be a pity?
Second, if a large amount of principal is invested or there is not much money on hand, if the absolute value of income is quite large, you can choose to redeem part or all of it, and then continue to increase the fixed investment to enjoy compound interest growth. There is still a misunderstanding to be avoided here, that is, the fund is no longer fixed after redemption. The correct way is to continue to make fixed investment, increase fixed investment with the money earned, and enjoy the miracle of compound interest growth.