whether the fund's fixed investment is at a high level or a low level in the broader market, it is best not to buy it at a high level, and it is best to choose an index fund at a low level. It doesn't matter whether the net value is high or low.

first, the unit net value of the fund

the unit net value of the fund refers to the current total net assets of the fund divided by the total share of the fund. Its calculation formula is: fund unit net value = total net assets/fund share.

both the subscription and redemption of open-end funds are conducted at this price. The transaction price of closed-end funds is the known market price at the time of buying and selling; On the other hand, the unit transaction price of open-end funds depends on the unit fund's net asset value, which is unknown at the time of subscription and redemption (but can be calculated after the market closes on the same day and announced on the next trading day).

II. Fixed investment of funds

Fixed investment of funds is short for fixed-term investment funds, which refers to investing a fixed amount (such as 5 yuan) in a designated open-end fund at a fixed time (such as the 8th of each month), similar to the bank's zero deposit and withdrawal method. What people usually call funds mainly refers to securities investment funds.

The fixed-term investment of the fund is similar to long-term savings, which can spread the investment cost evenly and reduce the overall risk. It has the function of automatically increasing the price on dips and decreasing the price on dips, and can always get a relatively low average cost no matter how the market price changes. Therefore, regular fixed investment can smooth out the peaks and valleys of the fund's net value and eliminate market volatility. As long as the selected funds have overall growth, investors will get a relatively average income, and they don't have to worry about the timing of entering the market.

third, whether the fund has a high net value can be bought

The net value of the fund is mainly determined by the performance. Simply put, the fund buys some stocks at a low level. When the stocks rise to a certain level, the fund manager sells them, and the risks are also sold. The assets change from stocks to cash, and the net value does not decrease. Then buy other undervalued stocks, and so on. As long as the fund manager has strong investment strength and good fund performance, the net value will continue to rise. Therefore, the high net value of the fund does not mean that there is little room for future growth. In addition, changes in fund managers' positions, market fluctuations, fund dividends, and splits will all affect the net value of fund units, so it is not reliable to buy funds only by looking at the net value of funds. It is the correct investment method to focus on the market trend, fund performance, fund managers, fund companies, etc., and to comprehensively examine the future growth of funds.

specifically, what kind of fund is it? The key to choosing a fund is whether the market is at a high level or a low level. If it is at a high level, it is best not to buy it. If it is at a low level, it is best to choose an index fund. It doesn't matter whether the net value is high or low. Fund fixed investment is to make money through a long period of time, and generally choose funds with large volatility (stock funds or index funds).