First, why is it said that long-term fixed investment is a scam?
1, poor performance of the fund.
The fixed investment of the fund is only an investment strategy and cannot change the performance of the fund itself. If you encounter a fund with very poor performance, then a fixed investment will not make the fund rank high.
2. Opportunity cost
Although some investors are profitable when they decide to make a fixed investment, compared with other investment methods, the annualized expected rate of return of a fixed investment is lower, and many opportunity costs are lost.
3. Take profit will not be set.
Fund fixed investment is generally used as a long-term investment tool, which can only be seen after a certain number of years, but this does not mean that it must be fixed.
The concept of smile curve is often used in the fixed investment of funds, and the WeChat curve is actually a cycle of fixed investment. If investors don't understand the smile curve, they can also directly adopt the target expected return take profit method, that is, set a profit target and sell the fund once the fixed investment reaches the target.
Step 4 sell at a low price
Stock funds fluctuate greatly, and many investors can't bear the fluctuations and losses in the process of fixed investment, so they choose to sell the funds in positions.
Second, is the fund's fixed investment reliable?
The fund's fixed investment is regarded as a small white financial management method by investors. Bian Xiao thinks this is just a misunderstanding. The fixed investment of the fund is not to invest money foolishly when choosing a fund, but to master the skills of choosing fund products and making profits. After all, there is no free lunch in the world, so overall, the fund's fixed investment is still relatively reliable.
The above content about the long-term fixed investment scam, I hope to help everyone. Warm reminder, financial management is risky and investment needs to be cautious.