Investment funds can be purchased in a single transaction, starting from 1,000 yuan, and there is no limit to the number of purchases.

You can also invest a fixed amount of money every month.

"Regular fixed amount" means to invest a fixed amount in a certain fund every fixed period of time (except one month).

It is very simple to go through the regular quota procedures. As long as the investor signs an agreement with the fund company or fund agency, agreeing on which fund, the agreed date (such as the 5th of each month), the fund amount, and at the fixed agreed time, your funds will be transferred from it.

Set aside investment funds on your bank card.

What is fixed investment?

Fixed investment refers to investing a fixed amount of money in the same open-end fund on a fixed date (such as the 8th of each month). The fixed investment period can be one week, one time per month, or two times per month.

The starting point for each investment amount stipulated by each fund company is slightly different. The minimum is 100 yuan, and the majority is 200 yuan. It is accumulated in integer multiples of 100 yuan. Generally, there is no upper limit.

After selecting the fund type, investors can go to the agency bank counter to make a fixed investment, or they can go to online banking and the fund company website to sign a fixed investment agreement and agree on the deduction period, amount and fixed investment period.

On the agreed date, the amount will be automatically deducted from the bank card.

If the bank card balance is insufficient, resulting in unsuccessful deductions for three consecutive months (the regulations of each bank and fund company vary), the fixed investment will be automatically terminated.

Characteristics of fixed investment 1.

The key to fund investment profits and losses lies in the timing of buying (subscription) and selling (redemption) and the selection of fund types.

In comparison, the choice of timing is more important than variety, and the difficulty is much higher.

The net value of the fund rises and falls with the rise and fall of the stock market, so the analysis of the market outlook is particularly important.

However, it is impossible for ordinary investors to have this kind of professional knowledge and skills. They only rely on the feelings of their supervisors and hearsay to decide the timing of entry and exit. They may buy at high prices and sell at low prices, making it difficult to obtain expected returns.

Fixed investment adopts the method of investing funds in installments. The investment cost can be high or low, and the long-term average is relatively low, which plays the role of amortizing costs and diversifying risks.

Compared with a single purchase, fixed investment is much less important for timing. Some propaganda even states that "fixed investment does not consider timing."

It is difficult for ordinary investors to grasp the correct investment timing at the right time. They may often buy at the high point of the market and sell at the low point of the market.

With the fund's regular fixed-amount investment method, no matter how the market fluctuates, a fixed amount is invested in the fund on a fixed day every month, and the bank automatically deducts the funds and automatically calculates the number of fund shares that can be purchased based on the net value of the fund.

In this way, investors' funds for purchasing funds are invested on schedule, and the cost of investment is relatively average.

2.

Suitable for long-term investment because regular quotas are invested in batches. When the stock market is consolidating or falling, since regular quotas are taken over in batches, the more you buy, the cheaper you buy. The return on investment after the stock market rebounds is also better than that of a single investment.

investment.

For the Chinese stock market, the long-term trend should be a volatile upward trend, so regular quotas are very suitable for long-term investment and financial management plans.

3.

For the "money earners" and the salary-earners who are left with little money after deducting living expenses, fixed investment is similar to receiving lump sums and has the function of "forced financial management". Small amounts of investment, over many years, will accumulate into hills for several years.

Eventually you can accumulate a considerable amount of assets.

4．

Many financial planners, bank and fund company sales staff unanimously claim that fixed investment is suitable for investors with low risk tolerance.

This is obviously misleading!

It should be said that stock investment is high risk, and buying a fund is entrusting a fund company to invest in a stock portfolio, which is a lower high risk; fund fixed investment is a way to reduce high risk to medium risk, and is by no means low risk.

5．

Fixed investment is a small investment.

Although each fund company deducts slightly different amounts each time, the amount is generally very small, around 100-200 yuan.

Make small, long-term, purposeful investments without increasing the financial burden on investors.

For ordinary investors, there is no need to raise a large amount of funds. They can just use the idle money other than necessary daily expenses to invest every month. This will not only force savings but will not cause additional financial burdens. It can also accumulate less to make more.

Small money is turned into big money to meet future needs for larger funds.

Suitable for people who do not have large amounts of money to invest but have long-term financial management needs.

6.

Make small, long-term, purposeful investments without increasing the financial burden on investors.

For ordinary investors, there is no need to raise a large amount of funds. They can just use the idle money other than necessary daily expenses to invest every month. This will not only force savings but will not cause additional financial burdens. It can also accumulate less to make more.

Small money is turned into big money to meet future needs for larger funds.

Invest regularly and accumulate a little. Investors may have some idle funds every once in a while. By purchasing targets through a regular fixed-amount investment plan for investment appreciation, you can "gather sand into a hill" and accumulate a large amount of money without knowing it.

wealth.

7.

For most fund investors who do not have time to study changes in the economic climate and the long and short market, the "regular fixed amount investment strategy" can be said to be a very time-saving and labor-saving investment method, and it can also avoid the risk of accidentally buying at a high point.

Therefore, regular fixed-amount investment funds are often called "financial management techniques for lazy people", "financial management techniques for fools" and "small investment plans".

The fixed-amount investment fund method combines the concept of "fixing all shortfalls" of fixed deposits, and also has expert financial management, eliminating the trouble of selecting stocks by yourself.