1, termination time. The term of regular investment should also be determined according to market conditions. For example, after two years of investment, the market has risen to a very high level. After analysis, the market may enter another short cycle, so it is best to cancel the contract first and take profits. If you are about to face capital needs, such as retirement age, you should pay more attention to the market situation and decide when to terminate the contract.
2, timely conversion. After starting regular fixed investment, if it is necessary to temporarily cancel the contract or the market is at a high point, it is not very certain about the market outlook, and it is not necessary to completely cancel the contract. 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.
Extended data:
Misunderstanding of fund fixed investment
1, any fund is suitable for fixed investment. The income of bond funds is generally stable, and the gap between fixed investment and one-time investment is not too big, while equity funds fluctuate greatly, which is more suitable for balancing costs and risks with fixed investment.
2. Fixed investment can only be a long-term investment. In the case that the market outlook is not optimistic, both one-time investment and fixed investment should be cautious, and the fixed investment plan of the fund that has been handled should also consider avoiding risks. The fixed investment of the fund can't be foolishly invested on a monthly basis, and it needs to be improvised.
3. The date of deduction can be any day. Although fixed monthly deduction is adopted for fixed investment, some months only have 28 days. In order to prevent 27.28 from falling on Saturday and Sunday, the monthly deduction date can only be 1-26. In addition, in case of holidays, the deduction date will be automatically postponed, for example, the agreed deduction date is July 8, but if the 8 th of next month falls on Sunday, the deduction date will be automatically postponed to the 9 th.
4. Only fixed investment can be made every month. Under normal circumstances, fixed investment can only be made monthly, but some fund companies stipulate that fixed investment can be made weekly, monthly, bimonthly or quarterly. Most unit wages are generally divided into monthly fixed salary and quarterly bonus. If the monthly salary is only enough for daily use, the quarterly bonus can be invested and is suitable for quarterly investment. If the monthly salary is generous, or young people want to save money, they can invest monthly.
Baidu Encyclopedia-Fund Fixed Investment