1, the main purpose of fixed investment is to disperse funds. After investing for 60 periods, the role of diversifying capital is actually very small;
The actual impact of fixed investment times and the next fixed investment on the total cost can be referred to the following figure. After 50 fixed investments, the impact of the next fixed investment on the total cost is less than 2%, which is basically the daily fluctuation of many funds.
Take daily fixed investment 10 yuan as an example. By the 50th day, the accumulated capital had been invested in 500 yuan, and the next day, it was invested in 10 yuan, with a total capital of 5 10 yuan. But in fact, this 10 yuan has little influence on the total capital of the fund. What we know is that the net value of many funds has not changed much within 50 days;
2. The demand for smile curve of fixed investment is relatively long, exceeding 10 years;
The trend of the fund is similar to the trend of the smile curve, that is, the fund is generally on the rise, and we all know that stock funds invest in stocks, and stocks have their own bulls and bears. Generally speaking, a bull and bear replacement will be completed in 5- 10. If we don't complete a bull-bear conversion, we will choose to deduct money at the beginning of the bull market and sell the fund in the bear market, which will eventually lead to losses, so the time span is long.
The annual rate of return of funds with 3 10 years or more generally does not exceed 20%;
Buffett is a well-known stock god. The compound annual rate of return of the companies he manages is only 20%, while the compound annual rate of return of most funds in China is not even 10%. The compound annual rate of return of social security funds of 8% is also completed on the premise that many state-owned enterprises give away a large number of stocks for free before listing, so ordinary people are very lucky to be able to achieve the compound annual rate of return of 15%.
If you invest in 10 yuan every day, buy and sell it 250 days a year, and invest for at least 20 years, depending on different investment time and different fund returns, you may eventually save between 8 10000 and 24 million. As can be seen from the budget chart below, the longer the investment time, the higher the fund's rate of return and the more impressive the final balance. However, if the fund's return on investment is around 4%,
4. The ideal is full, and the practice may be desperate. The money that can be saved by investing in 10 yuan every day may not be as big as imagined;
Judging from the above budget, if you invest in 10 yuan every day for 40 years, the money you can finally save has a great relationship with the annual compound rate of return of the fund. If you only invest in money funds, the annual rate of return is less than 4%, then the money you finally save is only 250 thousand; If you are lucky enough to choose a fund managed by a fund manager like Buffett, which can achieve a compound annual growth of 20%, then there will be 24 million funds in 40 years, which is of course a huge wealth. But ideally, the long-term performance of most fund managers is not as good as that of index funds. A-share index funds have an annual compound income of about 5%, while the standard S&P index of US stocks is about 6.6%, while the funds selected by ordinary people can achieve an annual compound income of 8%. It used to be a blessing, that is to say, I was lucky to get the fixed investment of 10 yuan every day for 40 years. Ten thousand households 40 years ago are the envy of many people. Today's 10 thousand yuan may not be as good as many people's monthly salary. Today's 730 thousand is a fortune, but 40 years later, 730 thousand may not be as valuable as expected.
1The financial management thought change brought by the daily fixed investment of 0 yuan Fund;
A, money is to be saved, and the principal is very important;
As can be seen from the above analysis, the amount of fixed investment every day has a great relationship with the wealth that can be saved in the end. After 40 years, it was 730,000 yuan, and after 40 years, 20 yuan accumulated to 6.5438+0.46 million yuan. If it is 654.38+0.000 yuan, it will accumulate to 7.3 million yuan after 40 years. There is no doubt that 7.3 million yuan is. The 1 yuan we are saving now is actually 7 yuan money 40 years later, and the 100 yuan we are spending now is 700 yuan 40 years later. When spending money, I feel very distressed at the thought of future repayment, so maybe we will ask ourselves every time we spend money, whether we want to buy or not; Sell what you should buy, and don't buy what you want but don't need to buy. Many times, what you want to buy one second, you don't want it the next, which reduces the stimulating consumption;
B, the best investment opportunity is 10 years ago, followed by today;
The accumulation of investment demand time, the longer the investment time, the greater the role of compound interest. Buffett's so-called becoming a stock god and a wealth myth has a lot to do with his early investment and short life. Buffett's main wealth is also accumulated recently. Due to the accumulation of a very large number in the early stage, the same increase in proportion has become a very considerable number.
C. Fixed investment is not letting go; Fixed investment foundation actively manages unexpected benefits;
Undoubtedly, fixed investment is not a matter of letting go. We know that if the fixed investment exceeds 60 periods and the time spans a bull-bear cycle, it should be harvested in advance. Therefore, when the fund's annual average income exceeds 20%, it should actively choose profit but wait for a low point before starting. By separating my timing, the fund investment can be doubled.
A journey of a thousand miles begins with a single step, and investment begins with deposit 10 and investment 10. Undoubtedly, it is of great significance to vote for 10 yuan every day, but we still need to make efforts from time to time to achieve our original goal. This is not to say that if we can foolishly formulate a strategy and implement it, there will be an imaginary return.