1. Set asset management objectives. Deduct 3000 or 5000 regularly every month. When the network is high, the subscription share is small, and when the network is low, the subscription share is large, which can disperse the admission time. This average cost method is most suitable for raising retirement funds or children's education funds.
2. Do your best. Regular investment must be simple and unburdened. The customer decided to deduct 50,000 yuan per month to diversify the investment, but after a period of time, you must take out the time deposit and continue to invest. I suggest you first analyze your monthly income and expenditure and calculate the fixed idle funds that can be saved, 3,000 yuan and 5,000 yuan.
3. Choose a market with an upward trend. Markets with declining trends but good fundamentals are most suitable for starting regular fixed investment. Even if the market is in a low position now, we can consider the long-term development in the future to start investing.
4. The investment period determines the investment target. Regularly increasing the time compound interest effect of long-term investment disperses the short-term risk of long-term stock market and fund net value fluctuation. As long as the principle of long-term deduction can be observed, funds with large fluctuations can actually improve their returns, and funds with high risks should have better long-term returns than funds with low risks. If the long-term asset management goal is more than 5 years to 10 years or 20 years, it is best to choose a fund with large fluctuations, if it is within 5 years.