When the fund stops fixed investment, it needs to be set during non-trading hours. After the fund stops fixed investment, the system will no longer deduct money, and the fixed investment plan will be cancelled. The fund originally purchased can continue to be held or sold.
Fixed investment is the abbreviation of fixed-term investment fund, which refers to investing a fixed amount (such as 500 yuan) in a designated open-end fund at a fixed time (such as the 8th of each month), similar to the bank's deposit and withdrawal method. People usually refer to funds mainly as securities investment funds.
basic concept
Automatic investment plan (AIP) is called lazy financial management, and its value stems from a saying circulating on Wall Street: "It is more difficult to step on the market accurately than to catch a flying knife in the air." If you adopt the method of buying in batches, you will overcome the defects of buying and selling at one time, balance the cost and make yourself invincible in investment, that is, the fixed investment method.
Generally speaking, there are two ways of fund investment, single investment and regular quota. Because of the low starting point and simple method, the fund is also called "small investment plan" or "lazy financial management"
"Compared with fixed investment, the one-time investment income may be high, but the risk is also great. Because it avoids the influence of investors' subjective judgment on the timing of entry, the risk of fixed investment is significantly lower than that of stock investment or single fund investment.
The fixed 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 and reducing the price on dips. No matter how the market price changes, it can always get a relatively low average cost. Therefore, regular fixed investment can smooth the peaks and valleys of the fund's net value and eliminate market fluctuations. As long as the selected funds grow as a whole, investors will get relatively average returns without worrying about the timing of entering the market.
For the public.
office worker
After deducting the daily living expenses, the salary income of most office workers is often small, and a small amount of regular investment is the most appropriate. Moreover, because most office workers can't go to financial institutions to go through the subscription procedures in person during office hours, it is the most time-saving and trouble-saving way for office workers to set up regular fixed investment automatic deduction in designated accounts.
Those who need special funds at some point in the future.
For example, you have to pay a down payment for buying a house three years later, a fund for children to study abroad 20 years later, or even a retirement pension fund 30 years later. When we know that there will be a large demand for funds in the future, it will not only cause economic burden, but also turn small monthly money into big money in the future.
Don't like people who take excessive investment risks.
Due to the advantage of weighted average investment cost, regular investment can effectively reduce the overall investment cost, reduce the risk of price fluctuation, and then enhance the opportunity of profit.