Analyze why there are so few people who stick to the fixed investment of the fund

Speaking of the fixed investment of the fund, many citizens can enumerate its advantages: regular deduction, worry-free and labor-saving. Everyone knows that the fixed investment is good and the operation is simple, but not many people really insist on it. Why is this? Xiaobian here sorted out why there are so few people who insist on the fund's fixed investment for your reference. I hope everyone will gain something in the reading process!

Three stories about fixed investment

There are three friends, and here they are called A Jun, B Jun and C Jun, which just correspond to three fixed investment states.

when Mr. a heard that it would take 3-5 years for a fixed investment to insist on deduction, he quickly waved his hand to show that it had been too long and he was unwilling to continue to understand.

Mr. B has started the fixed investment for three months, and he basically looks at the account income every night. Recently, the market has fluctuated frequently and the account has suffered a slight loss. These two days, I said, I can't keep going. I haven't made a profit after waiting for 3 months. It's better to buy baby goods.

C Jun decided to invest early. After experiencing the stock market crisis in 215, he felt that it was still suitable for him. In December of that year, he decided to invest in the index fund of Shanghai and Shenzhen 3. He never looked at his account until he opened his account at the end of 218 and found that he had lost 6%, so he immediately redeemed it all.

Note: The Shanghai and Shenzhen 3 Index is used to simulate the performance of the corresponding index fund. The data source is the index U8 fixed investment calculator, and the deduction is made on the 1st of each month, with the deduction amount of 2, yuan. Past performance does not represent future performance.

however, according to the historical data, it is found that if Mr. C insisted on it for two more months, the yield would turn positive to 8%, and if he insisted on it for three more months, it would reach 14%. Because of the immediate panic and worries about the future, Mr. C fell down before dawn.

The trap of hyperbolic discount

Not only them, but many people in real life have such a tendency: to avoid some activities that need to pay costs in a short time, but it takes a long time to reflect their benefits.

It's good to exercise, but I want Ge Youlie more.

I have a good reading experience, but I'm happier watching dramas and videos.

If I can get 1 yuan now, I will get 1,1 yuan a month, and generally more people choose the former.

I would rather have a relatively small income at present than wait for more rewards in the future, which is called "hyperbolic discount" in economics and is an irrational trap.

corresponding to the fixed investment, it needs continuous investment, but it may not see the benefits or even losses for a long time, and it is impossible to realize the "immediate satisfaction", which in turn leads to self-doubt and is difficult to continue.

how to overcome it?

so how to overcome this short-sighted irrational psychology, learn to delay satisfaction, and stick to the fixed investment? Here are three ideas to discuss and exchange with you

1. First of all, if you just started a fixed investment plan, don't look at your account frequently.

because at this time, even if the account is profitable, the initial investment cost is less, and the absolute amount of profit is less, which fails to achieve the effect of gathering sand into a tower, not to mention taking profit. If the market falls in the early stage and the account loses money, although it has always been said that falling is a good opportunity to accumulate shares and get cheap, many people will feel unbearable subjectively.

Of course, you can't ignore it completely. In fact, Jun C above made a profit as early as 216, and the yield reached 17% by the end of 217. But I missed the redemption opportunity because I didn't look at the account. We can set the frequency of checking accounts as once a month.

2. Secondly, once the fixed investment is started, it is necessary to make investment preparations for 3-5 years or even longer.

There is no standard answer to the question of how long it is better to make a fixed investment. Some people have done a statistic. From January 1, 23, when a fixed investment is started on any day, the annualized rate of return of the Shanghai-Shenzhen 3 Index Fund will increase first and then decrease, and the annualized rate of return in the fourth year of fixed investment is the highest.

Of course, the past situation does not represent the future. According to the past bull-bear cycle characteristics of A shares, it is generally necessary to make preparations for more than three years.

3. Finally, if you have started the fixed investment for a long time, you will still lose money. First, check whether the investment fund is a good fund, which can be compared with the average performance of the market. The simplest thing is to compare it with the rise and fall of the Shanghai Composite Index, and the index fund will compare it with the corresponding index performance. If there is no problem, you might as well stick to it, and it will eventually bloom after dark.

In recent two years, the returns of funds purchased by many investors are generally unsatisfactory. What caused the large losses of most funds? For these questions of investors, Mars, an analyst at Shanghai Securities Fund Evaluation Center, pointed out that, firstly, the essence of fund products is a portfolio of securities, and the performance of fund returns is closely related to the performance of the underlying market. In the continuous decline of the stock market, it is difficult for stock funds and hybrid funds, which mainly invest in stocks, to achieve positive returns. Under the rising stock market, most partial stock funds can often achieve positive returns. Therefore, it is impossible for funds to create myths and create high positive returns in the continuous decline of the market in recent years.

in terms of long-term performance, in most cases, the overall performance of funds is better than that of individual investors, especially in bull market and volatile market. For example, in 26 and 27, more than 8% of equity funds achieved more than 1% returns, while the proportion of individual investors did not reach 5% to 3% returns in 212, and the survey showed that more than 5% of individual investors lost 5% to 5%. Therefore, the fund is still a good investment tool for individual investors to participate in the capital market.

All kinds of problems in China's stock market construction, economic development and asset management industry can't be eliminated in a short time, and they all need to be promoted by the rationality of the market as a whole. However, as investors themselves, we must measure our risk tolerance clearly and not blindly listen to the propaganda of sales staff. If your own risk tolerance is weak or the funds you want to use in the short term, you can't invest too much in a single stock fund, so as not to be greatly affected by the risk of stock market fluctuations. Therefore, for individual investors, it is more meaningful to have a long-term investment mentality, choose appropriate fund products according to their own risk tolerance and renewal, avoid excessively chasing hot funds with outstanding short-term returns, pay more attention to funds with relatively stable long-term performance, and spread risks and obtain long-term stable returns through fixed investment and portfolio allocation.

Tip:

First, we should pay attention to arranging the proportion of fund varieties according to our risk tolerance and investment purpose. Choose the fund that suits you best, and set an investment ceiling when buying partial stock funds.

Second, be careful not to buy the wrong "fund". The popularity of funds has led to some fake and inferior products "fishing in troubled waters", so we should pay attention to identification.

Third, pay attention to the post-maintenance of your account. Although the fund is worry-free, it should not be left unattended. Always pay attention to the new announcements on the fund's website, so as to get a more comprehensive and timely understanding of the funds you hold.

Fourth, we should pay attention to buying funds and don't care too much about the net value of funds. In fact, the fund's income is only related to the net growth rate. As long as the fund's net growth rate remains ahead, its income will naturally be high.

Fifth, we should be careful not to "love the new and hate the old" and not blindly pursue the new fund. Although the new fund has inherent advantages such as preferential prices, the old fund has long-term operating experience and reasonable positions, which is more worthy of attention and investment.

Sixth, be careful not to buy dividend funds unilaterally. Fund dividend is the return of investors' previous income, so it is more reasonable to change the dividend method to "dividend reinvestment" as far as possible.

Seventh, we should pay attention not to talk about heroes in short-term ups and downs. It is obviously unscientific to judge the merits of the fund by short-term ups and downs, and it is necessary to comprehensively evaluate the fund in many aspects and make a long-term investigation.

Eighth, we should pay attention to the flexible choice of investment strategies such as stable and worry-free fixed investment and affordable and simple dividend conversion.

Related articles on fund fixed investment:

★ Introduction to index fund fixed investment

★ Introduction to fund fixed investment

★ Introduction to fund small white

★ How to make money from fund fixed investment in 221

★ How to build a bank wealth management fund

★ How to make the fund turn losses into profits from fund fixed investment in 221

★ The fixed investment in 221.