Fixed investment refers to buying a fixed fund at a fixed time, and the amount bought is also fixed. So what are some useful tips to master? The following is a collection of tips for fund investment _ three principles and five tips for fund investment. I hope I can help you.
Tips for fund fixed investment
The fixed investment of the fund has three basic elements:
1, determine the fixed investment time.
The fixed investment of the fund is an investment method based on the time axis. Usually, we make a fixed investment once a month. This is because the fixed investment of the fund is mainly aimed at the working class, and wages are paid monthly. In addition, judging from the specific date of the fixed investment, it is recommended that you do not set the fixed investment time in the first seven days of each month, because there are many holidays during this period, and it is easy to be closed for purchase. Personal suggestions can be made during 8- 10, or according to your lucky day or living habits.
2. Determine the rebalancing strategy of fixed investment.
The so-called rebalancing strategy refers to the operation of increasing or decreasing the actual ups and downs of fixed investment funds, stopping winning or stopping investment, which needs to be adjusted according to your overall strategy of fixed investment funds.
For example, my personal investment fund Medicine 100A is to prepare for the future pension. Then in the next 20 years, except for the temporary redemption in the second half of the bull market, I will double the fixed investment quota for the month at any time as long as it falls sharply. This is a rebalancing strategy, not a random choice, but a strategy that needs to be determined before the fixed investment, and strictly implemented in the subsequent fixed investment time.
3. Determine expectations and risk tolerance.
Income and risk are the pros and cons of investing in this coin. People tend to think only about benefits and ignore risks. The risks of fixed investment varieties under different fixed investment logics are different at different stages.
Now let's talk about four points that need to be paid attention to in the fixed investment of the fund:
①: Since it is a fixed investment, we should be prepared for long-term investment. Therefore, we must allocate family expenses well and don't turn fixed investment into a family burden. (home 1-2 years, the amount you will definitely not invest is the best. )
②: The amount of fixed investment per month must be affordable for yourself and your family, which means that once the fund loses money, it will not affect the normal life of yourself and your family.
3 don't blindly follow the trend.
4 don't be eager for quick success and instant benefit, don't be timid.
Don't think that if you buy a fund, you will definitely not lose money, so you will invest a lot of principal at one time, resulting in no money to buy a good fund later; Don't think that a fund is in a bad situation and sell it quickly.
Three principles and five skills of fund investment
Income principle: seeking a certain return on investment is the most fundamental requirement of fund holders. Whether open-end funds can attract public investment depends on whether the prospects of investment funds are optimistic and whether they can obtain stable investment returns. In order to maximize the benefit of fund investment, fund managers need to solve the following three problems: how to correctly determine the specific direction and goal of fund investment; How to plan a reasonable investment portfolio correctly; How to effectively manage fund assets?
Safety principle: To attract many social security funds and residents to save, open-end funds should not only rely on the stability of fund income, but also rely on the safety of fund assets. Securities investment funds mainly invest in stocks, bonds and other securities. Therefore, the most effective way to avoid and prevent risks is to use portfolio diversification.
Liquidity principle: Open-end funds must respond to redemption requests that may arise at any time. Therefore, maintaining the liquidity of investment assets is an important principle of open-end fund investment. Securities investment funds mainly invest in highly liquid securities such as stocks and bonds. On the one hand, the liquidity of fund assets is conducive to improving the utilization rate of funds, on the other hand, it also contains high risks.
The three principles of fund investment-efficiency, safety and liquidity-are fundamentally complementary. The high security of fund assets can ensure the high return of its investment, and the good and stable return on investment also makes its assets have better liquidity, so it has better liquidity. Therefore, the three principles of efficiency, safety and liquidity should be implemented when choosing investment objects and determining investment portfolio.
Five skills of fund investment
Understand reinvestment first: choose the fund varieties that match the market. What investors need to be clear is that investing in index funds such as Shanghai and Shenzhen 300 and Shenzhen 100 index in the volatile city, and investing in funds of strong cycle industries such as energy and non-ferrous metals is very risky, and it is absolutely not advisable to invest in industries with overcapacity or government suppression. Instead, we should invest in funds in weak cyclical industries, such as banks, insurance, medicine and the Internet, and generally get good returns. Taking the volatile market of 20 10 as an example, all the funds that prefer to invest in index and strong cyclical industries have suffered heavy losses, while most of the funds with excellent performance can flexibly adjust their investment direction and transform weak cyclical industries such as information industry and consumption field in time.
Fixed investment of idle funds every month: the purpose of fund investment is to obtain a better life with the help of investment under the premise of ensuring the existing quality of life. Therefore, it is suggested that the basic people first analyze their monthly income and expenditure, calculate the idle funds that can be saved, and then use these funds to make fixed investment in the fund. 300 yuan, 500 yuan or 1000 yuan will do. In the case of sufficient funds, in order to achieve the established financial goals, the monthly investment amount should be determined in combination with the investment period. Take raising 200,000 yuan for children to study abroad as an example. Under the established financial objectives, if the planned investment period is not long, it is necessary to increase the monthly investment and reduce the investment risk, and it is appropriate to invest in a stable fund. If the investment period is extended, the monthly investment amount required by investors can be reduced, the tolerable investment risk can be increased accordingly, and the investment amount can get greater returns.
Dividend reinvestment is more profitable: in the long run, choosing dividend reinvestment is more profitable than choosing cash dividend. However, many investors will ignore the choice of dividend reinvestment when handling fixed investment. Dividend reinvestment is to convert cash dividends into stocks and reinvest them in funds, so that you can enjoy the growth effect of compound interest. In addition, in order to encourage investors to invest more, fund managers generally stipulate that dividend reinvestment does not charge fees. However, if investors want to invest more after receiving the cash dividend, it will be regarded as a new subscription and they need to pay the subscription fee, so choosing dividend reinvestment is conducive to reducing the cost of investors.
Choose fund portfolio: choose two or three stock funds with top ranking in the medium and long term to build a fixed investment portfolio. Even for different equity funds of the same fund company, it is best to focus on the investment direction. Different industry sectors are ups and downs, and the performance of the fund will also show stage characteristics, and the fixed investment portfolio can play a supplementary role. The analyst said that the effective fixed investment combination method is "core+satellite". When the market rises, you can share the excellent performance of growth funds; When the market fluctuates, the steady performance of core funds can reduce possible losses, which is a combination of offensive and defensive.
Overcoming profiteering thinking: If the fund has a rapidly rising market, pay attention to profit taking. According to the current discount rate, if the fund is closed to the outside world, its future theoretical upside should be 22%-30%. When the fund rises too much, approaching or reaching the theoretical upward trend, investors should pay attention to profit taking.