The so-called fixed investment is the abbreviation of fixed investment, which refers to investing in a designated open-end fund at a fixed time (such as the eighth day of each month) with a fixed amount (such as 10000 yuan), similar to the bank's deposit and withdrawal method. The fund's fixed investment is known as lazy financial management, and its value stems from a saying circulating on Wall Street: "It is more difficult to step into the market accurately than to catch a flying knife in the air." If we use the information release system of professional fund companies to keep abreast of the latest information and adopt the method of buying in batches to overcome the defects of one-time buying and selling, balance the cost and make ourselves invincible in investment, that is, the fixed investment method.
Advantages of fund fixed investment
1, and the long-term investment income is considerable.
The bank's "fund fixed investment" business is an internationally accepted fund financing method similar to the bank's zero deposit and lump sum withdrawal, and it is a financing method of purchasing a certain fund product at the same time interval and the same amount.
Professional investment needs careful thinking, scientific analysis and rational operation. The fixed investment of funds makes the risk problems that investors are worried about much lower in professional financial management and time compound interest. The biggest advantage of fixed investment is that it can average the investment cost, because the way of fixed investment is to buy a fixed amount of funds regularly no matter how the market fluctuates. When the net value of the fund rises, the number of stocks bought is small; When the net value of the fund goes down, the number of stocks bought is large, which automatically forms an investment method of lightening positions on rallies and overweight on dips. In the long run, monthly diversification can reduce costs and risks, and make the investment cost close to the average cost invested by most investors.
In this way, on the premise of sharing the investment cost equally, the long-term compound interest effect of time will be highlighted, which not only ensures the safety of funds, but also makes small money that you usually don't care about become "big money" after long-term accumulation.
2. The procedure is convenient and quick.
At present, ICBC, Bank of Communications, China Construction Bank, and Minsheng Bank have opened the fixed investment business of funds. It is worth mentioning that the entry threshold for the fund's fixed investment is relatively low. For example, for ICBC's fixed investment business, the minimum monthly 200 yuan investment can be used for the fund's fixed investment.
If you want to apply for a fixed investment, investors only need to apply in accordance with the relevant regulations of banks and fund management companies. After the opening of "Fixed Investment", the bank will automatically deduct money from its designated account every month according to the amount of deduction applied by investors and the investment period, which is very convenient to operate. Take Minsheng Bank as an example. Investors only need to hold Minsheng Bank Card and open relevant fund accounts, so they can make fixed investment at the bank's counter.
In addition, all online banks and telephone banks that have opened this business bank can also accept the fixed investment business of the fund. According to reports, Minsheng Card customers only need to open the professional version of personal online banking, and they can handle the fixed investment business of the fund through Minsheng Online Banking. They can sign a contract and open a fund account directly in online banking without applying for opening an account at the bank counter in advance.
After opening an account in an online bank, investors can conduct all transactions such as fund subscription and redemption online, realize the binding between the fund account and the bank fund account, and set the subscription date, amount, term and fund code. Used for regular fixed investment of the fund. At the same time, online banking also has many functions, such as fund account inquiry, fund account balance inquiry, net value inquiry, and changing dividend distribution method, so investors can easily complete their investment.
Not only that, some banks also provide some services that are more convenient for investors, and they can apply for fixed investment of funds 24 hours a day: Bank of Communications can not only accept applications, but also handle related subscription business from 9 am to 3 pm every day. China Industrial and Commercial Bank of China (ICBC) can decide different transfer dates every month by investors themselves, and different transfer times can provide investors with relatively more flexible professional financial management space.
3. Preferential prices save costs
Like ordinary subscription, investors can generally enjoy certain rate concessions when doing fixed investment business in banks. In order to expand their business, some banks will launch some activities from time to time to reduce transaction costs such as subscription and give investors certain preferential treatment.
In terms of subscription fees, under normal circumstances, banks charge according to the regulations of fund companies, but it is not excluded that some fund companies can give investors discounts on the rates. According to insiders of the bank, according to the agreement, the biggest discount that the bank can give investors for the fixed investment business of some funds is generally 60% off. At present, ICBC is holding preferential activities, and investors who newly start the fixed investment business of the fund can enjoy a 20% discount on the subscription fee; If it is a long-term investment, as long as you successfully deduct 12, you can enjoy a 10% discount on the fund subscription rate from the first period. Successful deduction for 24 consecutive periods, you can enjoy a 20% discount on the fund subscription rate from the 25th period. If you buy funds directly through online banking or telephone banking, you can also enjoy a 20% discount.
4, the average cost of risk diversification
Using fixed-term investment funds can average costs and spread risks. Because it is a regular investment, no matter how the market fluctuates, regular investment funds will buy it regularly. Therefore, when the fund price rises, fewer units are bought, while when the fund price falls, more units are bought. Long-term accumulation, the fund dividends will be good, and the cost and risk will naturally be low.
Principle of fixed investment of fund
1, set financial goals. You can deduct 3000 or 5000 regularly every month. When the net worth is high, you can buy less stocks, and when the net worth is low, you can buy more stocks, which can spread the entry time. This "average cost method" is most suitable for raising retirement funds or children's education funds.
2. Do your best. Fixed investment must be done easily and without burden. A customer once decided to deduct 50,000 yuan per month to diversify the investment target, but after a period of time, he had to take out the fixed deposit to continue investing, which was too uneconomical. I suggest that you first analyze your monthly income and expenditure and calculate the idle funds that can be saved, either 3000 yuan or 5000 yuan.
3. Choose a market with an upward trend. An oversold market with good fundamentals is most suitable for starting regular fixed investment. Even if the current market is at a low level, as long as you are optimistic about the long-term development in the future, you can consider starting to invest.
4. The investment period determines the investment target. The time compound interest effect of fixed investment and long-term investment disperses the short-term risk of short-term stock market and fund net value fluctuation. As long as we can abide by the principle of long-term deduction, choosing a fund with large fluctuations can actually improve the income, and the long-term yield of a fund with high risk should be better than that with low risk. If the long-term financial management goal is more than 5 years to 10 or 20 years, it is advisable to choose bond funds with large fluctuations, while if it is within 5 years, it is best to choose stock funds with stable performance.
5. insist. Long-term investment is the most important principle of accumulating wealth regularly. This method must last for more than three years to get good results, and long-term investment can give full play to the compound interest effect of regular quota.
6. Grasp the timing of termination. The term of regular investment should also be determined according to market conditions. For example, after two years of investment, the market has risen to a very high point, and after analysis, the market may enter another short cycle, so it is best to cancel the contract first and get benefits. If you are about to face capital needs, such as retirement age, you should pay more attention to the market situation and decide when to terminate the contract.
7. Make good use of some cancellations and switch to open-end funds in due course. After starting regular fixed investment, if you have to cancel the contract for temporary redemption or the market is at a high point, you are not sure about the market outlook, and you don't have to completely cancel the contract, you can redeem some shares to obtain funds. If the market trend changes, you can switch to another round of rising prices and continue to make regular fixed investment.
8. Trust experts. When you start regular fixed investment, you don't have to care too much about short-term ups and downs and share accumulation. If necessary, you can consult experts.
9. At present, many fund companies and banks have cooperated to develop new varieties of studying in Canada, the United States, Japan and Europe, and they can also try them appropriately, and the income has reached the industry level.