Fixed investment is the abbreviation of fixed investment fund, which means to invest a fixed amount in an established open-end fund at a fixed time. This kind of investment operation is relatively simple and convenient (from Winner Fortune Network, please indicate the source, www.yingjia360.com), but its income is very low, which is suitable for long-term investment operation, and the investment cost can be shared equally, thus reducing the overall investment risk and helping investors get the maximum income in the operation.
Different types of funds have different income, ranking and other classification and evaluation, but how can investors make investments to cross the bull and bear market and still make profits? Winner Fortune Network Bian Xiao collected and sorted out five principles of fixed investment for investors.
1, short-term arbitrage funds will not be fixed.
There are many methods and news stories of fund arbitrage, and investors need to carefully distinguish between these complicated news, because if the income is caused by news stimulation, then the news will inevitably fall after the past, so when investors choose a fixed investment fund, the most important thing is to look at the fundamentals of the fund, that is, historical performance, fund manager level, company strength and so on. Instead of just looking at what kind of stocks the fund invested heavily in.
2. Fixed investment does not mean once and for all.
The most important thing in choosing a fund is to choose a fund manager. If the performance of the fund with fixed investment has changed greatly in the middle, investors must carefully check the reasons, whether it is the operation of the fund manager or the stock market environment, or it may be the personnel changes of the fund company. In short, investors should carefully analyze the reasons and examine the funds they invest in.
3. The fixed investment period is preferably more than 3 years.
What investment needs most is patient operation. Funds need long-term stable investment, and fixed investment also needs long-term investment, because no obvious effect can be seen in the short term.
4. Confirm when the fixed investment is terminated.
The termination of fixed investment is different from the transaction of funds. The fixed investment of the fund can terminate the payment plan at any time, which means that the investment can be suspended. However, if the fund is sold without canceling the fixed investment, the bank will deduct the relevant expenses, and it must be confirmed clearly when the fixed investment is terminated.
5. Pay attention to the date of fixed investment
In order to share the cost of a fixed investment fund, we need to pay attention to two basic contents: ① Try not to choose the time from/kloc-0 to 8 to avoid the holiday effect in the future, and want to share the net value of the fund. (Source Winner Fortune Network, please indicate the source, www.yingjia360.com) It is more cost-effective only when the net worth is relatively low; ② Don't invest in multiple funds on the same day, which can reduce the net investment value of multiple funds caused by the market's ups and downs on the same day, thus reducing the concentration of risks.
The above is what this article introduces to investors, what is the fixed investment of the fund and the principle of attention in the process of fixed investment of the fund.