1. What is a fixed investment?
Simply speaking, the fund's fixed investment is to invest a fixed amount at a fixed time and continue to buy fixed investment funds.
For example, invest 2,000 yuan on the 5th of each month to buy the Shanghai and Shenzhen 300 Index Fund. This is a simple fixed-term investment strategy.
Second, what kind of people are suitable for making fixed investment in the fund?
The fixed investment of the fund has gradually been accepted by most small and medium-sized investors, and it has become one of the more common financial management methods. However, any kind of investment is not omnipotent and has its own suitable people. The fund's fixed investment is suitable for the following groups:
The first type: people with fixed income.
These people have a relatively fixed income every month. After deducting the daily living expenses, they often have a balance, but the amount is not much. If they don't make a fixed investment, they don't have a more suitable investment method. Will be consumed by usual extravagance and waste. For them, fixed investment can not only play the role of investment, but also play the role of compulsory savings.
The second type: people who have money but no time.
Some self-employed people or people with a very fast pace of life don't have much time to pay attention to the market changes and industry news in the stock market or other investment markets. They need more energy to pay attention to their careers or studies. Then the fixed investment of the fund is the most suitable investment method.
The third type: people who lack investment experience.
Because many investors have no investment experience, they are caught in the quagmire of chasing up and down, and it is difficult to extricate themselves. Finally, they are scarred by investment. Therefore, for those who have no investment experience or are not suitable for independent investment, the fixed investment of the fund can be said to be a good investment method. Avoid blind investment.
The fourth type: people with moderate or low risk attitude.
These people don't want to take great risks to invest, so phased investment is the most suitable investment for them. The fixed investment of the fund can not only realize long-term investment, but also realize the average investment cost to the greatest extent through phased investment.
The fifth type: people with specific financial goals or long-term capital needs.
Some people have made a plan to buy a house in five years, and now they have income to invest, so it is also a very good choice to make a fixed investment to save money.
No matter which of the above categories, the most important thing is that once you choose a fixed investment, you must stick to it. Some experts believe that the fixed investment cycle of the fund is generally a stock market operation cycle or a bull-bear market conversion, which is basically consistent with the time of an economic cycle. Therefore, don't rashly decide to stop fixed investment or redemption when the economy or the stock market is at a low point, because such an operation will face the risk of principal loss.