Fixed investment in funds is a long-term, batch and regular investment in fund management, which has been favored by many investors. So how to choose the fixed investment time of the fund? How to choose the fixed investment time of the fund? Bian Xiao also prepared relevant contents on how to choose and analyze the fixed investment time of the fund for your reference.

How to choose the fixed investment time of the fund?

1. Select the period of fixed investment. Fixed investment cycle is the frequency of designated investment. Generally speaking, there are different choices such as weekly fixed investment, monthly fixed investment and quarterly fixed investment. Investors should determine the investment cycle according to their own capital situation, income level and expenditure plan. If the funds are sufficient, you can choose to invest weekly or monthly, which can better grasp the market fluctuation, reduce the cost and improve the income. If funds are tight, you can choose to invest in the current season or during the year, which can reduce transaction costs and save time and energy.

2. Select the fixed investment date, which refers to the fixed investment date of each cycle. Generally speaking, there are different choices, such as Monday to Friday, the beginning or end of each month. The date of fixed investment should be determined according to factors such as income and market conditions. For example, if the salary is paid at the beginning or middle of each month, you can choose to make a fixed investment at the beginning or end of each month to avoid idle or nervous funds. If the salary is paid at the end of each month or in the middle of the month, you can choose to make a fixed investment in the middle of the month, which can balance the use of funds.

What are the benefits of fixed investment?

1. Share the capital cost and reduce the risk. The fixed investment of the fund can avoid buying high or selling low at one time, thus reducing market risk and operational risk. By buying and selling in batches, we can level the costs and benefits and obtain more stable benefits.

2. Develop the habit of long-term investment. Fixed fund investment can help investors develop good financial habits. By setting a fixed amount and time to trade funds, we can avoid emotional and blind decision-making, thus improving the efficiency and effect of financial management.

1, according to market conditions.

When the market is in a bear market, many investors will leave the market near the end of the month to wait and see. In case of important holidays, in order to avoid risks, investors will also choose to sell in large quantities before the holidays, leading to a decline in the index.

Therefore, it is generally believed that it is more cost-effective to vote at the end of the bear market. Although the end of the month is not necessarily the lowest point, it will generally get lower and lower.

When the market is in a bull market, the end-of-month index may be higher and higher, and investors can choose to vote at the beginning of the month.

2. According to the investment demand.

In fact, for long-term investment, whether you choose weekly investment or monthly investment, whether you buy it on the date of each month, the expected return gap of fixed investment is very small and almost negligible. Therefore, investors can also choose the date of fixed investment according to their personal investment needs and capital conditions.

For example, the moonlight clan, whose purpose is to make a fixed investment by means of compulsory savings, can set the fixed investment date on the salary payment day, thus limiting their excessive consumption.

Office workers can choose to make a fixed investment at the end of the month, which coincides with the salary payment time on the one hand and is more in line with the market trend on the other.

At the same time, investors who invest in multiple funds can choose to stagger their investment dates to ease the financial pressure.

Monthly fixed investment

This is a popular practice, and I choose a deduction date every month. I have used this method for many years.

The monthly deduction date is1-28th. In order to avoid not deducting fees on holidays such as May 1 1 day and New Year's Day, it is suggested to set the date to 8 -28.

If you only choose one fund for fixed investment, then you can deduct it on any day between the 8th and 28th.

If you choose more than two kinds of funds, you can set different deduction dates from the perspective of risk diversification.

If you want to try the investment method of fixed fund investment, you can use fixed monthly investment and try with a small amount of money;

Of course, the monthly fixed investment is also suitable for investors who have just joined the work or have more debts and can't get too much money every month;

In addition, if you have a large sum of money (such as salary) in your account every month, but you can't control your spending, you can set it as the day after you get the money, and then spend the rest, which is compulsory deposit.

200 yuan every month since 2007. This sentence has been said 100 times. That is, the monthly salary is at least110, but it is usually paid in advance, so I set10 of each month as the deduction date of fixed investment and never stopped paying. Occasionally, it can't be deducted for one month, and it will be deducted next month. With this simple method, I can easily fill in the losses after 2007 10 in less than two years.

Weekly fixed investment

Weekly fixed investment is to choose any day from Monday to Friday as the deduction date of fixed investment. If you can spend more than 400 yuan every month, you can consider this way, and deduct 100 yuan every week, so that the investment cost is more even and the risk is lower.

This is the way I started to use recently. With the accumulation of time, more and more money can be used for fixed investment every month. Of course, I hope to spread the time of entering the market more, so I tried it for about two years and made a fixed investment every two weeks, and the effect was good.

Fixed investment every week means that you have at least four buying opportunities every month, which is certainly lower than 1 time per month. I checked the data of weekly fixed investment and monthly fixed investment of some funds, and the answer is of course that the weekly fixed investment is better, so I decisively changed the biweekly fixed investment to weekly fixed investment.

This method is really suitable for most people. As long as you can take out 500 yuan every month, you might as well set up a weekly fixed investment.

Although from some of my experience, the probability of going up on Monday and Wednesday is higher, and the probability of going down at 245 is higher, but this is only when I pay attention to the market. In the long run, the probability is similar to flipping a coin, 50/50, so choose Monday to Friday!