At present, some banks and securities institutions have started a series of "fixed investment" investment plans, which has opened up such a novel investment and financial management channel for small and medium-sized investors.
What is "fixed investment"
"Fixed investment fund" refers to the investment mode in which customers invest more than RMB 200 yuan every month and subscribe for a fund at an integer multiple of 65,438+000. The investment period is 3 years or 5 years. After the customer applies once, the bank will automatically transfer money every month.
According to financial experts, there are differences in functions between single investment and regular fixed investment: the former focuses on investment; The latter has the dual functions of saving and investing.
"Fixed investment" has relatively low risk because of monthly diversification, which overcomes the systemic risk brought by stock market fluctuation; In addition, it also has the characteristics similar to regular savings, that is, every little makes a mickle, and the investment cost is shared equally, which reduces the overall risk and makes the choice of investment opportunity less important than a single investment.
Because of the high investment amount, a single investment needs to be entered at one time, which is suitable for investors with rich investment experience and more market information. The fixed investment generally does not care about the time of entry, but it takes a long time to see the effect, and it is best to continue investing for more than three years.
Why can I split the cost equally?
Why can "fixed fund investment" share costs and spread risks equally?
According to experts, this is because this method is a regular investment. No matter how the market fluctuates, you will buy a fixed amount of funds regularly. Therefore, when the fund price rises, it will buy fewer units, while when the fund price falls, it will buy more units. After long-term accumulation, the cost and risk will naturally be low.
For example, invest in an open-end fund of 100 yuan every other month for six times in half a year, with a total amount of 600 yuan. The subscription price of each investment fund is 1 yuan, 0.9 yuan, 0.75 yuan, 0.85 yuan, 1. 1 yuan and 1 yuan respectively. Then the number of shares you can buy at a time is 100,11,133.3, 1 17.6, 90.9, 80 respectively.
Since the cumulative share is 632.9, the average cost is 600÷632.9=0.948 yuan, and the return on investment is (1.25× 632.9-600) ÷ 600×100% = 31.80.
Investment is the most suitable at this time.
It is not difficult to see from the above algorithm that investment funds, especially stock funds, adopt "fixed investment" and start to make regular fixed investment when the stock market falls into a trough consolidation, and constantly accumulate the number of units. When the stock market rises, they will make a profit, and their income will not only be better than the index performance, but also be much higher than the income from regular fixed investment when the stock market rises.
Professionals also said that a statistic simulated by the weighted stock index of Taiwan Province Province shows that as long as the fixed investment exceeds 10 years, the probability of loss is close to zero.