Fixed fund investment is becoming the investment choice of more and more small partners because it is suitable for office workers who get cash flow every month and can reduce the fluctuation of account positions. However, not all types of funds are suitable for fixed investment. Today, we will take Class A and Class C funds as examples to see which one is more suitable for fixed investment.

Which is more cost-effective for the fund to invest in A or C?

There is no absolute good or bad, investors can choose according to their actual situation. Taking a single fixed investment of 1000 yuan as an example, we choose the stock active fund. The main difference between Class A and Class C lies in two expenses, one is the buying and selling cost, and the other is the holding cost. Details are as follows:

As can be seen from the above figure, the holding cost of Class A is lower, and the transaction cost of Class C is lower. If the holding time is less than one year, the class C fee is lower, and if the holding time is more than one year, the class A fee is lower. Therefore, for the fixed investment of funds, we encourage equity funds to make fixed investments and hold them for as long as possible.

Is the fund's fixed investment equal to lying down to make money?

Although the fixed investment is called "lazy financial management", it does not mean that you can easily make a profit by choosing a fixed investment. Long-term persistence is indeed an important cornerstone for obtaining income from fixed investment, but the term of fixed investment may not be as long as possible. With the increase of fixed investment period, the proportion of each subsequent purchase in the total investment is getting smaller and smaller, and the role of dilution cost is gradually weakened. At this time, it may be more wise to take profits at the right time.

For example, if the monthly fixed investment is 1 1,000 yuan and the number of fixed investment periods is n, the ratio of each fixed investment to the total capital is: 1 1,000/(n *11,000), and the numerator remains unchanged. If there are many fixed investment periods (many fixed investment periods), the score will be small, which means that new investment will be made every time.