Generally speaking, there are two ways to invest in funds, single investment and regular quota. The method of regular quota is similar to the "zero deposit and lump sum withdrawal" method of bank savings. Regular investment plan is a way of fund subscription business, which refers to investing a fixed amount (such as 500 yuan) at regular intervals (such as one month or two months). Investors can submit an application through the fund sales organization and stipulate the time, amount and method of deduction for each period. The sales organization will automatically complete the deduction and fund subscription in the fund account designated by the investor on the agreed deduction date.

The benefits of regular fixed investment to investors are reflected in the following aspects:

(1) invest regularly, every little makes a mickle. For ordinary investors, there is no need to raise a large amount of funds, and idle funds other than the necessary monthly expenses can be used for investment, which can not only force savings without causing additional economic burden, but also turn small money into big money. Although the amount of fixed investment is not large, the accumulated funds should not be underestimated. If it persists for a long time, its profit far exceeds the interest on time deposits.

(2) Simple automatic deduction. As long as you go to the fund agency to go through the one-time formalities, the subscription for each installment will be completed automatically.

(3) Average cost and spread risk. Because fixed investment is a regular investment, no matter how the market changes, fixed investment funds will be bought regularly. When the fund price rises, it buys fewer units, and when it falls, it buys more units. In the long run, costs and risks will be shared.

Regular fixed investment funds are suitable for the following groups:

(1) The fund has a fixed investment plan on a regular basis, so that young people who usually spend a lot of money can save a fixed sum of money every month without knowing it, so as not to become a "moonlight family" and accumulate their first wealth in life;

(2) It is suitable as a tool for people who need a lot of money in the future, such as young parents saving future education funds for their children or saving money for their own pension plans;

(3) For working-class people who are unwilling to take on too many investment risks, it is also a good way to make regular investment.

Personal financial planning is not static, but changes with different periods of individuals. A person's life can be roughly divided into five stages: single family, two-person world, children's education, quasi-retirement family and retirement pension. The income and financial purpose of each stage will be different, so the financial plan and suitable fund will be different.

choose

Singles have just entered the society from school, and they are happy single young people. It usually takes two to five years from entering society to entering marriage. Single young people are passionate about life and work and like to try all kinds of new things. Generally speaking, because their work has just started, their savings are not much, and their awareness of financial management is not strong. However, the sooner you start managing your money, the better. And at this stage, parents don't need to support, and there is no next generation. Therefore, in addition to ensuring daily expenses, singles can also buy some high-risk and high-yield wealth management products.

Suggestion: Due to insufficient savings and poor financial awareness, it is necessary to adopt certain mandatory investment and financial management methods, such as fixed investment of funds. Because there are not too many worries at this stage, single people have a strong risk tolerance, so they can allocate more high-risk and high-yield equity funds.

world for two

Sweet two-person life, from marriage to the birth of a baby, usually 1 to 5 years. Step into the marriage hall and start the world of two people. At this time, the two should enter the stable period of their careers, and at the same time have some savings, but the expenses at this stage will also rise to a higher level. The previous small fights began to rise to large expenses such as houses, cars and baby-sitting. Financial management at this stage is more important. Pursuing the growth of wealth is the main goal at this stage. At the same time, people's work and life pressures are relatively high at this stage. Therefore, investment should be properly considered and cautious.

Suggestion: Although the expenditure is gradually increasing, the income may increase rapidly in the same period, so at this stage, more equity funds with higher investment risks can be considered. However, on the one hand, we should control the investment ratio, and on the other hand, we should properly consider some varieties with relatively stable style and performance when choosing stock funds.

Children education

A happy family usually takes about 20 years from the birth of a baby to graduation from college. At this stage, both people's lives and careers tend to be stable, and the education of children is the most concerned at this stage. This is a long-lasting activity, and the cost is huge. Therefore, at this stage, we should pursue a steady return on investment, reduce the requirements for the growth rate of wealth, and pay attention to choosing some medium-risk investment varieties.

Suggestion: This stage will last for a long time, and personal wealth should keep growing. However, with the growth of age, investors may be more and more willing to steadily increase their wealth. In line with this psychological change, investors can improve the configuration of stable style varieties at this stage.

Quasi-retiree

It usually takes about 5 to 15 years from the child's adulthood to retirement. As an adult, the child has no financial burden, and has made certain achievements in his career, accumulated certain wealth, and has strong financial management ability and strong control over wealth. Know your own risk tolerance and invest relatively rationally. Therefore, rational investment is emphasized at this stage, but due to rich experience in financial management, it is also worth trying to appropriately carry out medium and high-risk investment varieties.

Suggestion: At this stage, you should have accumulated quite a lot of experience and a relatively peaceful attitude, regardless of your career or financial management. If you are already very familiar with the market, you can try some high-risk varieties a little. But at this stage, we should be cautious in providing for the elderly.

pension

Live a happy old age after retirement. Happy old age, leisurely life. Although there is no economic pressure, due to age, the risk tolerance is not high and it is not suitable for engaging in high-risk investment activities. At this stage, we should try our best to pursue the integrity of the principal and make a return on the basis of ensuring the principal, so it is most appropriate to make some capital preservation investments at this stage, which can not only ensure the integrity of the principal, but also enrich the happy life in old age.

Suggestion: It is most important to be steady at this stage, and at the same time, we should pay attention to ensuring the good liquidity of funds, because it is more likely to use money and spend more frequently at this stage. Therefore, high-risk stock funds may not be suitable, and hybrid funds and bond funds that emphasize bond investment, as well as money market funds with good liquidity, will be better choices.

Source: Fund Trading Network