The fixed investment of the fund is to invest a certain amount of money to buy the fund at regular intervals, so that every little makes a mickle, the average investment cost and the investment risk are reduced. Fund fixed investment should pay attention to the following aspects.

1, the fund will definitely invest in investments suitable for long-term financial management objectives, and short-term investments within two years are not suitable. According to the financial objectives, you can decide the amount of investment in each period. If you want to have 500,000 yuan in 20 years, assuming an annualized rate of return of 8%, you can invest 1 1,000 yuan every month.

2. The number of fixed investment funds should not be too much. Generally, 500 yuan can use about 1, with a maximum of 4-5 funds. Too much is too scattered, too little is not systematic and risky.

3. Selection of fund varieties

Determine the fund portfolio according to your investment period. 10-20 years, you can choose relatively radical stock funds and index funds; It is best to choose a relatively stable fund portfolio for about 5 years.

We should pay attention to the choice of fund varieties, and choose some partial stock funds with large fluctuations in net value, including stock funds and hybrid funds. For this kind of fund, it is more meaningful to average the fluctuation of net value through regular investment. The relatively stable bond fund's fixed investment is of little significance, but it can be used as a substitute for medium and long-term zero deposit and withdrawal.

In addition, the investment of leveraged funds with large fluctuations requires investors to have a high professional level and is not suitable as a fixed investment variety.

Funds with fixed investment can combine index funds and active funds. Index funds account for a small proportion, while active funds account for a relatively high proportion. In this way, some excess returns can be obtained on the basis of the average market income level. It is best for index funds to track the indexes covered by large-cap stocks and small-cap stocks, so that both large-cap stocks and small-cap stocks can be shared. Active funds should choose stock funds or hybrid funds with excellent performance and good stock selection ability.

4. The fixed investment of the fund needs to be tracked.

Setting a fixed investment plan for the fund does not mean once and for all. Need to track the capital market and fund varieties. If it is found that the performance of active funds in the portfolio lags behind the market average for two consecutive quarters, it is necessary to consider switching to other fund varieties. If you don't have a major or don't have enough time, you can consider using the services of a third-party financial consulting company like Zhanheng Wealth Management.

5. The timing of the fund's fixed investment is doorways. The fixed investment of the fund is more suitable for the upward trend, so the more investment, the more income. Although the market has fallen a lot at present, we should still insist on investing when the valuation is still relatively low. If funds permit, the lower level should increase investment.

If it is found that the capital market is in an obvious high bubble period, in addition to stopping the planned fixed investment of the fund, it is necessary to gradually redeem the invested shares to avoid the risk of market decline. When the market falls to a low level, the risk is substantially released, and then the capital is invested.