Now many people have made a fixed investment in the fund, so-called? Fixed investment? It is to invest a sum of money from your salary every month, so that you can earn investment income and save money. Through continuous accumulation, a small amount of money invested every month can also become a large amount of wealth. For example, if you invest in 500 yuan every month, you can save 6,000 yuan a year. Because this investment method not only disperses the investment risk to a great extent, but also saves money, many office workers have made fixed investment in the fund.
The fixed investment of the fund is a long-term investment, but this does not mean that investors can always make fixed investments. In the process of investment, we should also learn to take profits at an appropriate time. Generally speaking, we do not recommend that you always make a fixed investment in a certain fund. The specific reasons are as follows:
1, the longer the time, the less obvious the advantage. Many people choose fixed investment for financial management, mainly because the investment cost can be gradually reduced in the process of fixed investment. Simply choosing a fixed investment will not all buy at a high level, and you can find a cheap fund share when the fund falls. However, as the fixed investment time goes on, if the original funds accumulate to a certain scale, if the fixed investment is continued, the effect on reducing the investment cost will be very small, and the impact on the final income will be smaller.
2. Some people say that the fund can get a return of 10 times after ten years of investment. Judging from the domestic fund market, there are indeed many single funds whose accumulated income in ten years has reached 10 times or even more, but this high income of 10 times depends on one-time subscription ten years ago. If the fund invests regularly, it can get two or three times the income in ten years, which is already considerable. Although the fund's fixed investment has the advantage of sharing risks, its disadvantages are also obvious. Investors choose this method relatively steadily, but at the expense of some gains.
On the whole, although the fixed investment of the fund is a long-term investment, it is best for investors to hold it for a long time, but this does not mean that the fixed investment of the fund is suitable for fixed investment all the time. With the longer the fixed investment time, the income may gradually decrease, and investors should pay attention to timely redemption.