First of all, according to the way, simply divide the fund's fixed investment into the following categories:
1. General quota
Regular quota refers to the fixed amount of fixed investment in the fund according to a certain cycle frequency, such as monthly and weekly, for example, fixed investment on the 8 th of each month 10000 yuan.
Fund fixed investment (picture from the network)
2. General quota
Fixed-term non-quota refers to a fixed investment time, just like fixed-term quota, except that the investment amount fluctuates according to the target situation at that time. For example, last month, the net value of Fund No.8 was higher, so it was fixed at 1 10,000 yuan, while the net value of Fund No.8 was lower, fixed at10.5 million yuan.
Step 3 check
Grid transaction method was invented by mathematician james simons. Simply put, it is to implement "buy low and sell high" within a given grid. Specifically, the grid trading rules system should be formulated first, which mainly includes trading interval, grid number, grid step size, maximum position and minimum position. Then, when the net value of the fund falls below a grid density, it will buy the corresponding share, and sell the corresponding share every time it rises above a grid density to realize the theory.
Schematic diagram of grid transaction
These three methods have their own advantages and disadvantages, and are suitable for ordinary people in different segments, such as Xiaobai, who has just started. It is a good idea to choose a fixed investment, which does not consume brain and time; Regular quota is suitable for people who are busy with work and want to get higher income through fixed investment; Grid trading is more suitable for people who have a certain investment base and want to get excess returns through grid fixed investment.
Knowing the way of fixed investment, we should also pay attention to the following points:
1. When did you start investing?
In the early years, when the fund was opened for subscription, there was always propaganda that the fund could make a fixed investment at any time, regardless of the entry time. Actually, it's not like this. Through the popular science in recent years, many people understand that the income of the fund's fixed investment is actually a smile curve. By buying in different periods, diluting the cost and selling when the net value rises, it is impossible to enter at any time. Assuming that it is at a high point, the cycle of cost allocation will become very long, so it is difficult to make a profit.
Smile curve, starting from the left and going down.
Therefore, the relatively reasonable entry time is on the left side of the smile curve, that is, the fixed investment begins in the process of falling.
2.？ What fund will be set?
Many people invest foolishly without understanding the classification of funds, which is also irresponsible for their wallets. The money invested to make money was blown away by the strong wind, which is the rise of the market, but the loss is their own.
The essence of fixed investment is to share the cost equally, so we need funds with large fluctuations, so broad-based index, industry index and specific stock funds are relatively suitable targets. For ordinary people, the broad base index is a better choice, because it is the wealth of the country, as long as the national economy has been developing, it will be much safer.
What needs to be emphasized here is that index funds are also divided into OTC funds and OTC funds. Relatively speaking, the fixed investment cost of on-site funds is lower, so it is more suitable to choose on-site funds with broad-base index, namely broad-base index ETF, such as SSE 50, CSI 300 and CSI 500.
Broad-based indexes such as the Shanghai Composite Index are a suitable target.
3. When will it stop
Although the fund's fixed investment is a long-term investment project, it does not mean that it must always be fixed. If you don't win in the middle, you will ride the roller coaster repeatedly and spit out the proceeds. Therefore, the investment time should not be too long, and a psychological profit-taking line can be set. For example, if the profit exceeds 30%, you will sell a certain amount of positions, so if it goes up, it is excess income. It doesn't matter if you lose, just keep investing.
It is the apprentice who will buy and the master who will sell.
4. Be sure to use spare money.
It is very important to invest with spare money, especially for ordinary people, the fixed investment of the fund is a long-term investment. Once it is not idle money, it will affect your plan, make it difficult to get the desired income, and even cause losses.
To sum up, a fund that is more suitable for ordinary people to make a fixed investment is to choose a suitable fixed investment method according to their own positions, and then choose a low-cost broad-based index ETF fund to make a fixed investment with spare money.