First of all, long-term fund fixed investment is not suitable for everyone. For example, the following concentrated types of people are more suitable for fund fixed investment.
1, with a fixed income, there is a balance after deducting daily expenses, but there is not much left. For example, young people in their early twenties just have a stable job with a monthly salary, but they spend a lot of money. They can use fixed investment to force themselves to invest and develop the habit of financial management.
2. With money and no time, the pace of life is fast, and the most concerned thing is career. For example, people who have entered the society for three to five years and expect better career returns spend all their spare time on further study. They have the balance of funds but have no time to pay attention to investment information and market changes, and are also suitable for fixed investment of funds.
3. People who lack investment experience. Many investors do not have enough investment experience, follow the trend, chase up and kill down, and are scarred. The fixed investment of the fund can prevent investors from falling into the strange circle of following the trend again.
4. People with low and medium risk preference. Some people are naturally adventurous, while others are naturally steady. Therefore, this method of fixed investment by stages is more suitable for people who don't like to take too much risks and can smooth the investment cost. For example, fill in the risk questionnaire carefully and get that you are a steady investor.
5. People with specific financial goals. Generally, people around the age of 30 should not only consider buying a house and raising children, but also start planning for the elderly. At present, there is income to invest, and investing in it is a very good choice. For example, buying a house or changing houses five years later, the children's education plan after 10, and the retirement pension plan after 20 years can be divided into several fixed investment plans.
If you are one of the above-mentioned concentrated people, then you can safely consider the fixed investment of investment funds.
How do we choose an excellent fund for the first step of fixed investment? But are all funds suitable for fixed investment? How to choose stock type, currency type, bond type, index type ...
First, not all funds are suitable for fixed investment.
1, the greater the fluctuation of net value, the more suitable for fixed investment.
Generally speaking, the greater the fluctuation of net value, the more suitable it is for fixed investment. From the type point of view, the relative net value of stock, index and hybrid funds fluctuates greatly, which is more conducive to reflecting the characteristics of smooth cost and scattered risk, and is more suitable for fixed investment.
Because the final fixed investment income of high-volatility products is 1.7%, and the final income of low-volatility products is 0. 1%, which is a high-volatility win. In the long run, in order to maximize the return of fixed investment, we must choose "high volatility" investment targets and get a cheaper share at a low point. When the market picks up, these cheap chips can contribute more income.
2. Active management or passive management?
Index funds are more suitable for fixed investment than actively managed funds. At present, there are a large number of index funds in the market, covering many industries or themes, with a wide range of choices. You can choose the corresponding index fund for fixed investment according to a certain industry or sector you are optimistic about. But it doesn't mean that actively managed funds can't invest, just relatively speaking.
3. Old funds are more suitable for fixed investment.
Many investors are willing to buy new funds, which is understandable. However, from the perspective of fixed investment, the past performance of the old fund can be considered. As long as the fund manager is not changed frequently, the investment style is relatively fixed, which is more conducive to investors' choice.
4. Don't just look at net worth.
From the perspective of unit net worth, many people may habitually choose funds with low net worth, but the increase of funds with relatively high net worth in the same period may not be lower than that of funds with low net worth at present, so don't just look at the customer unit price, but also compare all the historical achievements of the fund since its establishment.
5. Fixed investment and configuration.
Generally speaking, it is not recommended to choose only one fund for fixed investment. As the old saying goes, eggs should not be put in the same basket. According to your investment preference, you can choose the way of core+satellite, broad base+theme. In other words, choosing a fund with a wide investment range, investing in both large-cap stocks and small and medium-sized enterprises, with relatively large-scale funds as the core and theme funds in your favorite industry or sector as the auxiliary, can further diversify investment risks.
Of course, the money we use for fixed investment is not needed for the time being. If we often need to withdraw, please don't make a fixed investment in the fund. Also resist the discomfort and panic caused by the loss. Even if the loss is large, don't sell at a low point or stop the fixed investment. Because fixed investment is only a means of investment, its investment income mainly lies in the specific performance of the investment target, and investment can not obtain excess income.