Investment * * * The same fund can be purchased at one time, or a fixed sum of money can be invested every month. "Regular quota" refers to a fixed amount of investment in the same fund at regular intervals (one month or two months). It is very simple to handle the procedures of regular quota, as long as the investor and the fund company or fund agency agree to draw a fixed amount of investment funds from their accounts at a fixed time every month (or two months).
Regular quota, a small investment method, is suitable for people who have long-term financial needs without large capital investment. For most fund investors who don't have time to study the changes of economic prosperity and short positions in the market, "regular fixed investment strategy" can be said to be a time-saving and labor-saving investment method, and at the same time it can avoid the risk of unexpected buying at high points, so regular fixed investment funds are often called "lazy financial management", "fool financial management" and "small investment plan".
The fixed investment fund method combines the concept of "zero deposit and lump sum withdrawal" for time deposits, and experts manage money to avoid the trouble of selecting stocks themselves. This investment method, which integrates savings and financial management, is quite suitable for young office workers who have just entered the society.
The so-called fixed investment is the abbreviation of fixed investment, which refers to investing in a designated open-end fund at a fixed time (such as the eighth day of each month) with a fixed amount (such as 10000 yuan), similar to the bank's deposit and withdrawal method. The fund's fixed investment is known as lazy financial management, and its value stems from a saying circulating on Wall Street: "It is more difficult to step into the market accurately than to catch a flying knife in the air." If you adopt the method of buying in batches, you will overcome the defects of buying and selling at one time, balance the cost and make yourself invincible in investment, that is, the fixed investment method.
Characteristics and advantages of the fund's fixed investment
1, average cost, risk diversification
It is difficult for ordinary investors to grasp the right investment opportunity in time, and they often buy at the high point of the market and sell at the low point of the market. However, the fixed investment mode of the fund is adopted. No matter how the market fluctuates, the fixed investment fund will be fixed for one day every month, and the bank will automatically deduct the money, and automatically calculate the number of fund shares that can be purchased according to the net value of the fund. In this way, investors buy funds on schedule, and the investment cost is relatively average.
For example, if you invest in an open-end fund of 100 yuan every two months, the total amount of investment in 1 year is 600 yuan, and the subscription price of each investment is 1 yuan, 0.95 yuan, 0.90 yuan, 0.92 yuan, 1.05 yuan and 65438 yuan respectively. Then you can buy 100, 105.3, 1 1, 108.7, 95.2 and 90.9 at one time, and the cumulative number of copies is 665438+. The average cost is 600 ÷ 6 1 1.2 = 0.982 yuan and the return on investment is (1.1× 61.2-600) ÷. (Note: Fund investment is risky, and the past examples are for reference only, not as a hint or guarantee of fund investment return. )
2. Suitable for long-term investment
Because the regular quota comes into the market in batches, when the stock market is consolidating or falling, because the regular quota is undertaken in batches, you can buy more and cheaper, and the return on investment after the stock market rebounds is better than that of a single investment. For the China stock market, it should be a volatile upward trend in the long run, so regular quota is very suitable for long-term investment and financial planning.
According to the survey results of Morgan Fleming Investment Company on investors in Taiwan Province Province, about 30% investors choose the way of regular fixed investment fund. Especially in the 3 1-40 age group, as many as 36% people are engaged in this investment. The survey of investors' satisfaction with investment tools shows that the satisfaction of investors who buy and sell stocks in Taiwan Province Province is 39.5%, that of investors who buy funds in Taiwan Province Province alone is 55%, that of investors who invest in overseas funds alone is 52.5%, and that of investors who invest in fixed funds regularly is as high as 53.2%, which further shows that investors prefer investment targets with low volatility and pursuing long-term stable appreciation.
3. It is more suitable for investing in emerging markets and small equity funds.
For emerging markets or small stock-based overseas funds with large fluctuations in medium and long-term fixed investment performance, because the stock market callback time is generally long and the speed is slow, but the rising stock market rises rapidly, investors can often accumulate more fund shares when the stock market falls, thus obtaining a better return on investment when the stock market rebounds. According to Lipper Fund data, as of the end of June 2005, the average return rate of investors who have continuously deducted money for investing in any emerging market or small company stock fund in the last three years is at least 23%.
4, automatic deduction, simple procedures
Fixed-term investment funds only need investors to go through the one-time formalities at the fund agency, and then they will automatically deduct the subscription for each period, usually on a monthly basis, but there are also other time limits such as semi-monthly and quarterly as regular units. In contrast, buying a fund by yourself requires investors to go through the formalities in person at the agency every time. Therefore, the fixed investment fund is also called "lazy financial management", which fully embodies its convenient characteristics.
Principle of fixed investment of fund
1, set financial goals. You can deduct 3000 or 5000 regularly every month. When the net worth is high, you can buy less stocks, and when the net worth is low, you can buy more stocks, which can spread the entry time. This "average cost method" is most suitable for raising retirement funds or children's education funds.
2. Do your best. Fixed investment must be done easily and without burden. A customer once decided to deduct 50,000 yuan per month to diversify the investment target, but after a period of time, he had to take out the fixed deposit to continue investing, which was too uneconomical. I suggest that you first analyze your monthly income and expenditure and calculate the idle funds that can be saved, either 3000 yuan or 5000 yuan.
3. Choose a market with an upward trend. An oversold market with good fundamentals is most suitable for starting regular fixed investment. Even if the current market is at a low level, as long as you are optimistic about the long-term development in the future, you can consider starting to invest.
4. The investment period determines the investment target. The time compound interest effect of fixed investment and long-term investment disperses the short-term risk of short-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 financial management goal is more than 5 years to 10 or 20 years, you may wish to choose a fund with large fluctuations, while if it is within 5 years, it is best to choose a fund with stable performance.
5. insist. Long-term investment is the most important principle of accumulating wealth regularly. This method must last for more than three years to get good results, and long-term investment can give full play to the compound interest effect of regular quota.
6. Grasp the timing of termination. The term of regular investment should also be determined according to market conditions. For example, after two years of investment, the market has risen to a very high point, and after analysis, the market may enter another short cycle, so it is best to cancel the contract first and get benefits. If you are about to face capital needs, such as retirement age, you should pay more attention to the market situation and decide when to terminate the contract.
7. Make good use of partial cancellation and convert funds in time. After starting regular fixed investment, if you have to cancel the contract for temporary redemption or the market is at a high point, you are not sure about the market outlook, and you don't have to completely cancel the contract, you can redeem some shares to obtain funds. If the market trend changes, you can switch to another round of rising prices and continue to make regular fixed investment.
8. Trust experts. When you start regular fixed investment, you don't have to care too much about short-term ups and downs and share accumulation. If necessary, you can consult experts.
The minimum amount of fixed investment is different, just go through the relevant formalities, and Bank of Communications can take care of it. More than 200 funds can be purchased, and the handling fee for purchasing funds can be reduced by 20%. The selected varieties are fixed and regular, so it is not time-consuming and laborious to wait in line. Long-term holding can effectively avoid market fluctuations and obtain ideal returns. It is especially suitable for people who have no time to manage money or have limited financial management level.