Although the fund's fixed investment is a relatively stable investment method, there are also some problems that cannot be ignored in the process of fixed investment, mainly in the following aspects:
1, blindly chasing up
Some investors will choose to buy when the fund price rises, thinking that the fund will rise later. If the fund is overvalued, the subsequent market correction and the fund price fall, there may be a situation of buying high and selling low, then it is a loss. After choosing a good fund, choose the right time to make a fixed investment, and don't blindly follow suit.
Step 2 stop loss
For fear of loss, some investors choose to sell stop loss immediately once the fund price falls. Selling funds when the market falls may make investors miss the later rising market and lead to losses. The fund must insist on holding fixed investment, and don't sell it because of short-term rise or fall, which leads to too pessimistic mood.
Step 3 ignore the handling fee
Fund transactions need to charge a certain fee, which is also one of the important factors that affect the fund's income. Fund transaction costs mainly include subscription fees, redemption fees and fund operation fees. If there are too many transactions, the accumulated handling fees will be more. Investors are advised to weigh the difference between handling fees and income and choose fund products with reasonable and low rates for investment.
4. Fixed investment in the process of fund raising.
In the process of fund rising, fixed investment will increase the cost and risk of investors' positions, while in the process of fund falling, fixed investment can reduce its position cost and spread risks by constantly buying and increasing the share of positions, thus realizing the smile curve effect when the fund rebounds.
5. Fund selection.
Not all funds are suitable for fixed investment, such as money funds and bond funds with little fluctuation. These fixed investments are difficult to achieve the smile curve effect in the transaction process, so they are more suitable for one-time purchase. Investors should choose funds with large fluctuations, such as stock funds and index funds.
6. Treat fixed investment as short-term speculation.
Many investors regard it as an opportunity to make money in the short term in the process of fixed investment. Therefore, frequent operations and transactions not only lead to high fees for investors, but also may lead investors to sell flying funds. It is recommended to persist for a long time.