2. The fixed investment of the fund can be entrusted to the bank or directly to the fund company. If an investor chooses to make a fixed investment in a bank, he/she needs to go to the counter of the designated agency for the first time, sign an application form for regular fixed investment plan, and stipulate the monthly deduction time, deduction amount and deduction method. The specific steps are as follows:
1. First, bring the original and copy of my ID card to the bank to open a fund account (if there is no bank account, you need to open a bank account, if there is, you can bring a passbook and a bank card) and sign a fixed investment agreement with the bank; Then make sure that your bank account is fully debited every month.
2. Now the fixed investment handled by ICBC is more flexible. I suggest you open a fund account with ICBC to handle fixed investment. ICBC handles the fixed investment from 200 yuan;
3. If a fixed investment is made, it should be a long-term investment. Now you can choose a fund with a lower net worth. If you invest a lot of money, I suggest you choose two or three funds (don't put your eggs in the same basket);
4. At present, banks with fixed investment generally only provide stock funds and index funds, because large fluctuations are conducive to fixed investment; If it is a fixed investment, it is best to choose a fund with large fluctuations.
Three, there are three channels to buy funds:
First, buy a fund in the bank. At present, most banks sell fund products on a commission basis. Investors can purchase funds through bank counters or online banking as long as they handle debit card accounts in relevant banks and inform bank staff to activate the function of purchasing funds.
Banks used to be the main channel of fund sales, accounting for more than 90% at one time. The advantage of dense bank outlets makes it convenient for people to buy and sell funds. In addition, banks will also sell products of several fund companies at the same time. If you want to buy more funds for portfolio investment, banks are obviously more convenient. But generally speaking, the handling fee for purchasing funds through banks is relatively high.
However, the types and quantity of funds in each bank are different, and some banks have jointly launched preferential activities with fund companies to discount the subscription rate of funds. Therefore, experts remind that investors who are interested in buying funds may wish to know the types and rates of funds sold by various banks before choosing to open an account with a bank.
Secondly, it is to buy funds in securities companies. Some securities companies cooperate with fund companies to sell fund products on a commission basis, which is more suitable for investors. Ordinary investors can hold their ID cards to open accounts in securities companies, and they need to apply for bank cards of relevant banks that cooperate with securities companies when opening accounts.
It is understood that some securities companies have trained many fund marketing talents over the years, which can provide investors with more professional analysis, and citizens who are still hesitant about investing can choose this channel. Moreover, although the CSRC stipulates that fund sales cannot be discounted, brokers often adopt flexible methods to return money from commissions to investors. In many cases, the discount can reach about 60%.
Third, buy funds from the fund company's website. For a long time, rate, product quantity and historical performance are all important factors affecting fund sales. According to industry insiders, the CSRC has clearly stipulated the upper limit and disclosure standard of fund subscription, subscription and redemption fees in fund sales, leaving only a loophole in the rate standard of online transactions, and fund companies can conduct preferential marketing based on this platform. Therefore, among several sales methods, the average discount rate of online direct sales of fund companies is the largest.
Large fund companies generally do direct sales on their own websites, and investors can buy them online. The fund subscription rate in this way is the most favorable, and fund companies generally sell at a 60% discount. If it is convenient for investors to surf the Internet, they may wish to purchase funds from the fund company's website.
Fourth, the date of deduction is usually set by you. The net subscription amount is determined according to the net value on the deduction date.
5. Diversified investment can avoid the unsystematic risk of the market, and long-term investment can avoid the risk of economic cyclical fluctuations. When investors plan the use of funds, if they are prepared to invest for more than 65,438+00 years, then the timing of intervention is not very important. Based on the good expectation of China's economy, there is nothing wrong with buying its shares at any time. However, if it is a short-term investment for one or two years, it is necessary to weigh the stock funds or index funds above 6000 points.
As I said when I answered other people's questions before, index fund is the first choice for fixed investment, because it is less interfered by human factors and only passively tracks the index. In the case of long-term economic growth in China, long-term fixed investment is bound to get better returns. Active funds are greatly influenced by fund managers. At present, the performance of active funds in China is not ideal in terms of sustainability. Often the champion of the previous year is poor in the second year, and changing fund managers may also cause performance fluctuations. Therefore, if you hold it for a long time, it is better to choose an index fund. If there is a rebound, index funds should be the first choice.
Foreign experience shows that in the long run, index funds outperform most active equity funds and are one of the first choices for long-term investment. According to American market statistics, since 1978, the average performance of index funds has exceeded 70% of active funds.
Therefore, I suggest that you mainly invest in index funds, so that the income will be higher in the long run!
I recommend Harvest 300 and Dacheng CSI 300.
Jiashi 300: Based on the principle of fitting and tracking the Shanghai and Shenzhen 300 Index, the Fund conducts passive indexation investment, strives to obtain the average rate of return of the China stock market represented by the index, and provides investors with an effective investment tool for investing in the Shanghai and Shenzhen 300 Index. The Fund believes that China's economy will maintain sustained, stable and rapid development, laying a solid macroeconomic foundation for the long-term development of China's securities market. The Shanghai and Shenzhen 300 Index can fully represent the China stock market. The fund invests in the stocks of the Shanghai and Shenzhen 300 Index through indexation investment, which provides an effective investment tool for investors to share the fruits of China's economic growth.
Among the index funds, Harvest CSI 300 Fund invests in financial instruments with good liquidity, and the fund makes passive index investment, thus effectively tracking the CSI 300 Index and seeking to share the fruits of China's economic development through the securities market. It can be said that the fund invests in the Shanghai and Shenzhen 300 index stocks through indexation investment, which is equivalent to putting the China stock market in one basket, and provides an effective investment tool for investors to share the fruits of China's economic growth.
Dacheng CSI 300
Recommended reason: An important starting point of choosing a fund for fixed investment is to spread risks and reduce the average cost, so it is advisable to choose stock funds with large fluctuations, especially index funds. Although the stock index is unpredictable in the short term, in the long term, the stock index always rises, and it is difficult to accurately grasp the market hotspots by actively investing in stock funds. Foreign experience shows that in the long run, index funds outperform most active equity funds and are one of the first choices for long-term investment. Based on the principle of fitting and tracking the Shanghai and Shenzhen 300 Index, the Fund conducts passive indexed long-term investment, and strives to obtain the average yield of the China stock market represented by the index. Since the establishment of China Capital, the compound annual growth rate of the Shanghai Composite Index has exceeded 20%, and the constituent stocks of the Shanghai and Shenzhen 300 Index are the top 300 heavyweights in the two cities, covering about 60% of the market value of the Shanghai and Shenzhen markets, with good market representation. The fund's past performance is outstanding among similar funds, and it is suggested that it can be used as one of the first choice funds for fixed investment. The manager of the fund is Dacheng Fund Management Company, which was established in 1999. It is one of the first ten fund management companies approved to be established in China. As of September 2007, the fund assets under management reached about 1 1000 billion yuan, making it one of the largest fund management companies in China.
Supplement: Regarding the deduction of fixed investment, the regulations of different banks are different:
(Bank of Communications) When you have no money in your account for one month, it fails to apply for regular subscription in the current period. Even if there is enough balance in the account after deduction, it will not be replenished in the current period. If the application fails for three consecutive periods, the application for regular quota subscription will be automatically terminated.
The deduction time for the fixed investment of the (ICBC) Fund is as follows:
(1) When will the fixed investment signed by the fund be deducted during the fund trading hours?
If the agreement takes effect on the same day and the balance is sufficient, the deduction will be made at that time (if the balance is insufficient, the deduction will be delayed).
(2) When the non-fund trading time is 15: 0 1-24: 00, when will the fund be deducted?
If the agreement takes effect on the same day, the subscription will be deducted on the next fund trading day.
(3) If the scheduled investment participation time is set and it is not the signing date, when will the deduction be made?
Deduction and subscription will be made on the next fund trading day on the effective date of this agreement.
You can choose the deduction time when the fund's fixed investment takes effect for the first time, and the deduction will be automatically made on the first working day of each month from the following month.
Fixed investment requires sufficient balance in the account. Consignment banks have different regulations on fixed investment, and the date of deduction is also different. Be careful of the failure or termination of fixed investment due to insufficient funds.
If the account balance of Bank of Communications and China Construction Bank is insufficient and the deduction is unsuccessful on the transfer date after the agreed date or holiday, even if the account defaults once and the transfer is unsuccessful for three consecutive months, the fixed investment plan will be automatically terminated.
ICBC is different. Generally, the fixed investment business is recorded on the first trading day of each month. If the balance is insufficient, the system will automatically scan. No matter what day of the specified month, as long as the funds in the account are full, the deduction will be made automatically. It should also be noted that the investment plan will be terminated if it fails to plan successfully for three consecutive months and defaults for three times. So make sure the account is rich.
According to the relevant announcement of ICBC, the rules for fixed investment are as follows:
1. No specific deduction date is specified, and the general deduction date is the first trading day of the current month;
2. If the customer makes a fixed investment before 15: 00 on the same day, the deduction will be made on the same day; if the customer makes a fixed investment after 15: 00, the deduction will be made on the next day;
3. If the balance of the fund account designated by the investor is insufficient within the legal trading hours of the day, the banking system will automatically continue to deduct the money the next day, and calculate the confirmed share according to the net value of the fund share on the day of actual deduction;
4. If the balance of the deduction account is insufficient and the number of defaults reaches three times, the system will automatically terminate the investor's fund fixed investment business;
In addition, investors should understand the calculation rules of default: if the current balance of the investor's fund account is insufficient, the current deduction subscription is unsuccessful and the number of defaults is increased once. In the next period, the system will not only deduct the subscription money of the previous period, but also deduct the subscription money of the current period. If the subscription of the previous period and the subscription of the current period are successful, the number of defaults will be reduced by one; If the supplementary subscription is successful and the current deduction subscription is unsuccessful, the default number will remain unchanged; If the supplementary deduction subscription and the current deduction subscription are unsuccessful, the number of defaults will be increased by one; And so on.