Regular state-owned banks, there is no problem, but the basic information of banks is risky, so we need to know more and avoid risks.
Single investment and regular quota are two ways to invest in funds. Regular quota is similar to "lump-sum deposit and withdrawal" of bank deposits. The so-called "fixed quota" means investing in the same open-end fund at regular intervals (such as 25th of each month) with a fixed amount (such as 500 yuan). Its greatest advantages are the average investment cost and avoidance of opportunity risk.
The fixed investment of the fund is a long-term loan with a long term. If the fund decides to invest, it will inevitably go through a cycle of bull market and bear market. In the bear market, it will buy more stocks and accumulate more. In a bull market, we should reduce our stock. In the most unsatisfactory position, we can lighten the position and ship the whole order. Referring to the stock market, a bull-bear market conversion takes almost four years, so the cycle is relatively long and it takes at least five years to prepare. If you only want to work for 1-3 years, it is not recommended to be a fund, otherwise you will become one of the people who scold the fund for losing money.
Characteristics of China Bank's Fixed Investment Fund;
Average cost and risk are dispersed. It is difficult for ordinary investors to grasp the correct investment time in time. They may often buy at market highs and sell at market lows. However, the bank will automatically deduct the money from the fixed investment fund every fixed day no matter how the market changes, and automatically calculate the number of fund shares bought according to the net value of the fund. In this way, the funds purchased by investors are invested on schedule, and the investment cost is relatively average.
Suitable for long-term investment. Because the fixed amount is invested in batches, when the stock market is consolidating or falling, because the fixed amount is undertaken in batches, you can buy more and buy cheaper, and the return on investment after the stock market rebounds is better than that of a single investment.
It is more suitable for investing in emerging markets and small equity funds with large fluctuations in long-term fixed investment performance, or small equity overseas funds. Because the stock market callback time is generally long and slow, but the stock market rises rapidly during the rising time, investors can often accumulate more fund shares when the stock market falls, so as to get better return on investment when the stock market rebounds.
Automatic deduction, simple procedure. This only requires investors to go through one-time procedures at the fund agency, and then the deduction subscription for each period will be automatically carried out, usually on a monthly basis, but there are also other time periods such as half a month and quarter as regular units. In contrast, if you buy your own fund, you need investors to go through the formalities in person every time, so the fixed-term investment fund is also called "lazy financial management", which fully reflects its convenience.