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Self-purchasing is generally done by people familiar with the fund, and fixed investment can reduce investment risks.

The following is some knowledge about fixed investment for your reference:

I. Definition of Fixed Investment of Fund

"Fixed investment in funds" refers to a fund management method in which investors buy funds regularly at a fixed time and amount within a certain investment period, which is similar to the bank's deposit and withdrawal in form. After accepting the investor's application for fixed investment in the fund, the bank will automatically deduct the agreed amount from the fund account signed by the investor according to the date when the investor specifies to purchase the corresponding fund.

Second, the advantages of fixed investment funds

1, many a mickle makes a muckle, compound interest and increase value. Investing with idle funds other than the necessary living expenses every month can not only force savings, but also make many a mickle, so as to meet the large capital demand for future housing, children's education, and old-age care. At the same time, you can enjoy the asset appreciation brought by the compound interest effect and get considerable long-term investment return.

2. Long-term investment to stabilize risks. If you buy a fixed amount of funds on a regular basis, you can buy less shares when the fund's net worth is high, and buy more shares when the fund's net worth is low, so as to avoid opening positions at a high level. At the same time, you don't have to worry about the timing of entering the market. You can use the principle of batch investment to maximize the risk diversification.

3, expert investment, easy financial management. Investors will give funds to fund companies through regular fixed investment. Through the professional investment management and operation of fund companies, investors can better share the economic growth of China and realize the preservation and appreciation of assets.

4, automatic deduction, worry and effort. After the Postal Savings Bank signs the fixed investment agreement, the system will automatically deduct the corresponding amount from the fund account to purchase the agreed fund according to the fixed investment amount and investment period you apply for, which saves the pain of running in line every time and buying and selling at the right time every day, which is easy and efficient.

Third, the principle of fixed investment of the fund

1, set financial goals. Fixed investment, an "average cost method" investment method, is suitable for realizing long-term financial management goals such as house purchase, children's education and retirement.

2. Choose a suitable variety or combination of fund fixed investment. The fixed investment of the fund itself is an investment method. With the different types of fixed investment, the risks and benefits are different. Generally speaking, funds can be divided into stock type, mixed type, bond type and currency type from high risk and low return. Funds can invest in one variety or a combination of multiple varieties. When making a fixed investment in the fund, customers should determine the suitable variety or combination of fixed investment in the fund according to their investment objectives, investment period and risk tolerance.

3. Do your best. Before making a fixed investment, it is best to analyze your monthly income and expenditure, calculate the idle funds that can be saved by fixed investment, and then determine the deduction amount. At the same time, the investment quota should be adjusted flexibly according to the economic capacity. When the income increases, increasing the monthly deduction amount in time is also a way to shorten the investment period and improve the investment efficiency, which can achieve the investment goal as soon as possible.

4. Start as soon as possible. On the road to investment, if you start late, it may take a long time to catch up.

5. stick to it. Long-term investment is the most important principle for the fund to accumulate wealth. Only by insisting on long-term investment can we give full play to the effect of fund sharing costs and compound interest.

6. Make good use of partial cancellation and switch funds in time. After starting the fixed investment of the fund, if you need to cancel the contract temporarily or the market is at a high point, you are not sure about the market outlook, you don't have to cancel the contract completely, and you can redeem some shares to obtain funds. If the market trend changes, you can switch to another round of rising prices and continue to make regular fixed investment.

Fourth, the misunderstanding of the fixed investment of the fund.

Myth 1: the fund's fixed investment income is small. The essence of the fund's fixed investment is reflected in the function of "long-term investment to dilute costs and compound interest to increase value", which is to share China's economic growth, not short-term profiteering. Assuming that you invest in 500 yuan every month, the annual rate of return is 8.26% (the compound annual rate of return from Shanghai Stock Exchange Index 1990 to 2008 is about 8.26%). After 25 years, the principal of 1500 yuan will reach about 472,600 yuan, and the asset growth rate will exceed 200% (regardless of other factors).

Myth 2: Pause due to panic and redeem due to rise. The fixed investment of the fund relies on long-term amortization to avoid short-term risks. More often, you need to invest for a long time with a normal heart. Don't stop the fund's fixed investment because of panic, and don't choose to redeem it halfway because of fear of market reversal.

Myth 3: It can be ignored after the fixed investment. Although the fund's fixed investment emphasizes long-term investment, it can't be simply understood as regardless of it. Imagine the sudden change of the market, even the best fund will change with the change of the market. Therefore, investors should pay regular attention to the growth and changes of the fund after investing.

Myth 4: the fund will definitely not lose money. Some people say that fixed investment is "fixed deposit and lump sum withdrawal in fund investment, but the income is higher than bank deposits", which is unscientific. Fixed investment of funds is an investment behavior, and its income is closely related to the change of market environment and the selected funds. Generally speaking, in the long run, the income will be higher than the bank deposit interest, but there is also the risk of loss at a specific stage.

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