2. Fixed investment can be daily investment, weekly investment and monthly investment. If the investor plans to invest around 1 year, users with a small amount of funds can choose daily investment or weekly investment, and the deduction date is Tuesday or Thursday; Users with a large amount of funds can choose a fixed monthly investment. If the investment period is 3-5 years, the deduction date has little effect on the income.
3. Choose smart fixed investment. Smart fixed investment will deduct more when the fund falls and less when the fund rises, which can control the cost well and the yield will be higher.
4. When the fund plummets, if it is not the deduction date, investors can deduct it manually.
5. It is more cost-effective to choose Class C within one year; It is more cost-effective to choose Class A for more than one year.
Advantages of fund fixed investment
summary procedure
Fixed-term investment funds only need investors to go through the one-time formalities at the fund agency, and then they will automatically deduct the subscription for each period, usually on a monthly basis, but there are also other time limits such as semi-monthly and quarterly as regular units. In contrast, buying a fund by yourself requires investors to go through the formalities in person at the agency every time. Therefore, the fixed investment fund is also called "lazy financial management", which fully embodies its convenient characteristics.
Save time and effort
After handling the fixed investment of the fund, the institution will automatically withhold the corresponding fund subscription funds on each fixed day. Investors only need to ensure that there are enough funds in the bank card, which saves time and energy to go to banks or other institutions.
Conventional investment
Every once in a while, investors may have some idle funds. The value-added (or value-preserved) investment through the fixed-investment fund investment plan can accumulate a lot of wealth unconsciously, which is a powerful support for the increasingly rapid economic development of China.
Regardless of the time point
The key to investment is "buy low and sell high", but few people make a profit by grasping the best trading point when investing. In order to avoid this artificial subjective judgment error, investors can invest in the market through the "fixed investment plan", regardless of the market entry time, market price and long-term investment decision on its short-term fluctuation.
average investment
The capital is invested in stages, with high and low input costs and relatively low long-term average, which maximizes the diversification of investment risks.
compound interest
The income of the "fixed investment plan" is the compound interest effect, and the interest generated by the principal is added to the principal to continue to derive income. Through the effect of rolling interest calculation, the compound interest effect is more obvious with the passage of time. It takes a long time for the compound interest effect of fixed investment to be fully displayed, and it is not appropriate to terminate it casually because of short-term market fluctuations. As long as the long-term prospects are good, the short-term decline in the market is an opportunity to accumulate more cheap units. Once the market rebounds, long-term accumulated units can make a one-time profit.
The procedure is convenient and quick.
All major banks and securities companies have opened the fixed investment business of funds, and the entry threshold for fixed investment of funds is low. For example, for the fixed investment business of ICBC, the fixed investment of funds can be carried out at the lowest 200 yuan every month; The minimum subscription amount for the fixed investment business of China Agricultural Bank is only 100 yuan per month.
Investors can conduct all transactions such as fund subscription and redemption online, realize the binding of fund account and bank fund account, and set 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, changing dividend distribution method and so on, so investors can easily complete their investment.