Fixed investment in a fund refers to investing in a designated open-end fund with a fixed amount or share at a fixed time.

Then let's talk about what an index fund is.

The main investment target of index funds is index constituent stocks. The change of portfolio is basically consistent with the index, and it can obtain roughly the same rate of return as the index, which is different from copying the index.

People who invest in index funds generally believe that the market is an efficient market, and the stock price fully reflects all the information of the stock, so there is no arbitrage space by using technical analysis. Therefore, it is the wisest choice to follow the market trend directly.

By simulating the historical data of some representative index funds, we can compare the same five-year period, choose the index fund to vote and choose the ordinary active management fund to vote.

First of all, I choose ICBC-CSI 300 with medium performance from the 138 index fund established more than 5 years to calculate the income.

The income is as follows:

As can be seen from the above figure,131510 to 201715 February, RMB 1000 was invested in the ICBC CSI 300 Fund every month. The total principal invested is 60,000 yuan, the total assets at the end of the period are 865,438+065,438+066 yuan, and the return on fixed investment is 35.28%.

Next, I selected Chinese businessmen with medium performance from all open-end funds (103 1) established for more than five years to calculate the income.

The income is as follows:

We can see that during the five years from 20 13 15 10 to 2017 15, 1000 yuan was invested in15 every month. The total principal invested is 60,000 yuan, the total assets at the end of the period are 75,748 yuan, and the fixed investment yield is 26.25%.

In other words, in the case of the same investment amount, base and frequency, it is indeed true that the return on fixed investment of index funds accounts for the peak. This is because in the past few years, except for the bull market that lasted less than one year from the second half of 14 to the first half of 15, the stock market was in a tepid bear market. In a bull market, active funds usually have better returns, but in a bear market, passive index funds are more flexible. At the same time, China stock market is full of bulls and bears, so long-term investment in index funds is a good choice.

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International financial planner, 20 16 China Baijia financial planner.