As for fund investment, there are two camps in the choice of investment methods: fixed fund investment and one-time fund investment.
People who are keen on the fixed investment of the fund feel that the fixed investment of the fund does not need to judge the market and choose the time, which not only saves time and effort, but also shares the risks equally. And the uncertainty of timing is too high. If you earn money by luck, you will lose by strength one day.
Investors who believe in one-time investment believe that one-time investment is a more sensible investment choice. They think that fixed investment is not flexible enough. Obviously, you can buy low and sell high with talent and wisdom. Why should the dream of financial freedom be killed by the fixed investment of the fund?
Then, when investing in funds, which is better, a fixed investment or a one-time investment?
In fact, fixed investment and one-time investment are not black and white multiple-choice questions. There is no conflict between the two.
The difference between fixed investment and one-time investment
Long-term adherence to fixed investment can achieve the goal of many a mickle makes a mickle, snowball is getting bigger and bigger, and fully enjoy the charm of compound interest. Of course, this "savings-style" fixed investment is best kept every month, and it is not needed in the short term or even in the medium and long term.
However, a single investment is a one-time investment when purchasing a fund, which is highly liquid and can be adjusted according to market changes. However, there are requirements for investors' timing ability. If they are unfortunate enough to step in at a high point, the short-term losses will be more obvious.
We can compare the difference between fixed investment and one-time investment from several aspects.
Investable fund
First, investable funds. For one-time investment, it will be easier and more convenient to make one-time investment if you have a lot of idle funds at hand. If you only have a small amount of funds and can invest with the funds you will have in the future, you can choose to make a fixed investment, especially for office workers who can get their salary every month, you can save regularly and accumulate funds, and you can also make these funds generate income.
Professional ability
One-time investment requires higher professional ability of investors, because it is necessary to consider market trends, understand and grasp the market, and choose the right time, which is more suitable for investors with certain investment experience. The fixed investment of the fund is relatively simple. After selecting the investment target, you can easily deal with it by setting the deduction amount and time, without the trouble of timing.
Applicable people
One-time investment is more suitable for investors who can choose their own time to enter the market, and fixed investment of funds is more suitable for most investors.
Investment discipline
The investment principle is a very important part of the transaction. One-time investment requires investors to choose their own time and take profits in time. It is suggested that the fund can set take profit instead of stop loss.
Matching between fixed investment and one-time investment of funds
Fixed investment and one-time investment can be reasonably matched in the actual operation process.
1. When purchasing, make a fixed investment first, and then make a single transaction.
Fixed investment can be used as a touchstone to feel the market. If you make a lot of money from a fixed investment, you should be careful to participate in a single investment. If the loss of fixed investment is large, then it may be time to consider buying it alone.
2. When redeeming, first redeeming a single investment and then redeeming a fixed investment.
In this way, you don't have to worry about the situation that the market is still rising all the way after redeeming the fund.
3. Fixed investment and solutions
Suppose a single investment is unfortunately losing money, you can try to dilute the cost with fixed investment.