Fund fixed investment skills
First, adjust the investment quota according to the economic situation.
With the extension of employment time and the increase of income, the total monthly investable amount of individuals or families is also increasing. Therefore, increasing the monthly deduction amount in time is also a way to shorten the investment cycle and improve the investment efficiency.
Second, adjust the investment strategy according to the market situation.
Simply put, buy more when it falls, buy less when it rises, and don't stop investing in weak markets. According to the market situation, the investment strategy is formulated, and different market conditions match different investments, and finally the cost allocation is realized. When the stock market is at a relatively low level, you can even increase the fixed investment amount of the fund, and expand the position at the bottom by doubling the fixed investment, thus obtaining a lower position cost.
Third, adjust the investment type according to the demand.
If you have a long-term financial management goal, such as more than five years to ten or twenty years, you may wish to choose a fund with large fluctuations, while if it is a goal within five years, it is best to choose a fund with stable performance. You can choose different funds with long-term and short-term financial management goals, and raise funds by investing in the same fund regularly.
If the investment period is extended, the monthly investment amount required by investors can be reduced, the investment risk can be increased accordingly, and the investment proportion of active and steady funds can be properly allocated, so that the investment amount can obtain greater income.
Fourth, choose the right fund type.
Generally speaking, the active management of partial stock funds (stock type and mixed type) and the passive management of index funds are the main types of fixed investment. It is suggested to allocate 1 index fund, and other stock-based and hybrid funds.
However, fixed-income financial products such as bond funds are relatively unsuitable for regular fixed-income investment, because the purpose of investing in such funds is to use funds flexibly and earn fixed income.