What is a fixed term quota

Investing in open-end funds can be a single purchase at a time or a fixed monthly investment. "Regular quota" means to invest a fixed amount in the same fund at regular intervals (one month or two months). It is very simple to go through the formalities of regular quota, as long as the investor and the fund company or fund agency agree to draw a fixed amount from their account to invest in the fund at a fixed time every month (or two months).

Regular quota, a small investment method, is suitable for people who have long-term financial needs without large capital investment. For most fund investors who don't have time to study the changes of economic prosperity and the short market, the "regular fixed investment strategy" can be said to be a time-saving and labor-saving investment method, and it can also avoid the risk of accidentally buying at a high point, so the regular fixed investment fund is often called "lazy financial management", "fool financial management" and "small investment plan".

The fixed-term investment fund method combines the concept of "zero deposit and short supply" of fixed deposits, and experts help you manage your finances and avoid the trouble of choosing stocks. This investment method, which combines savings and financial management, is quite suitable for young office workers who have just entered the society.

Who is suitable for

1. Office workers with a fixed salary:

Most office workers' salary income is often small after deducting daily living expenses, and a small amount of fixed investment is the most suitable. Moreover, because most office workers can't go to financial institutions to go through the subscription procedures in person during business hours, it is the most time-saving and trouble-saving way for office workers to set a fixed investment with automatic deduction in designated accounts.

2. Those who need special funds at some point in the future:

For example, they have to pay the down payment for buying a house after three years, the fund for their children to study abroad after 2 years, and even their own retirement pension fund after 3 years. When it is known that there will be a large amount of capital demand in the future, planning in the form of regular fixed small investment in advance will not only cause economic burden on yourself, but also make the monthly small money turn into big money in the future.

3. People who don't like to take on excessive investment risks:

Because fixed-term investment has the advantage of weighted average investment cost, it can effectively reduce the overall investment cost, so that the risk of price fluctuation is reduced, and then the chance of profit is improved.

How to choose a fund suitable for their own fixed investment

Fixed-term fund investment is gradually accepted by investors. It is used by designated sales organizations such as banks to automatically deduct money for investors to purchase funds on the agreed deduction date. For ordinary people,

With the vigorous development of fund industry in recent years, there are more and more funds available for investors to choose from in the market. At present, there are more than 1 open-end funds alone. How to choose a fund suitable for your investment among many funds? Generally speaking, we can investigate from the following aspects:

First, we can investigate the cumulative net growth rate of funds. Fund cumulative net growth rate = (cumulative net share-unit face value) ÷ unit face value. For example, the cumulative net value of a fund's current share is 1.18 yuan, and the unit face value is 1. yuan, then the cumulative net value growth rate of the fund is 18%.

Secondly, we can examine the dividend ratio of the fund. Fund dividend ratio = cumulative fund dividend amount ÷ fund face value. Take Rongtong Shenzhen 1 Index Fund of Rongtong Fund Management Co., Ltd. as an example. Since its establishment in September 23, it has paid dividends for 7 times, with a dividend ratio of 16%. Because one of the prerequisites for the fund to pay dividends is that it must have a certain profit, and it can realize dividends or even continue to pay dividends, which can reflect the ideal operation of the fund to some extent.

thirdly, we can compare the fund income with the market trend. If the performance of a fund is better than the market index in the same period most of the time, then it can be said that the management of this fund is relatively effective. If you choose this fund for regular fixed investment, the risks and benefits will reach an ideal matching state.

fourthly, we can compare the fund income with other funds of the same type. Generally speaking, funds with different risks and categories should be treated differently, and it is of little significance to compare the performance of different types of funds directly.

Finally, investors can use the judgment of some professional companies to have a better measure of the management ability of fund managers.

Make an efficient investment strategy

There is still a certain difference between regular quota and monthly "fixed savings". You can flexibly use various flexible investment strategies to improve investment efficiency.

1. Choose different funds with long-term and short-term goals

If you want to raise 3, yuan for children to study abroad, then it is more suitable to choose a stable fund; However, if the investment period is prolonged and the required monthly investment amount is low, the investment proportion of active and stable funds can be appropriately allocated to obtain greater returns.

Second, adjust the investment amount according to the financial ability

With the extension of employment time and the increase of income, the total monthly investable amount of individuals or families will also increase. Increasing the monthly deduction amount in time is also a way to shorten the investment period and improve the investment efficiency.

Third, we need to reconsider the portfolio content after reaching the preset goal

Although it takes a long time for regular fixed investment to show the best benefits, if the return on investment has really been achieved within the preset investment period, we might as well check whether the portfolio content needs to be adjusted. Regular quota is not just monthly deduction. Using simple and flexible strategies can make your investment more efficient, and achieve your financial goals as soon as possible.

Eight Basic Principles of Regular Quota Investment Fund

The way of regular quota investment fund has been adopted by more and more investors, and the advantages of automatic monthly deduction of regular quota, such as simple procedures, average cost, risk diversification and compound interest effect, have begun to be known to everyone. However, there are several aspects that need to be paid attention to, such as choosing the right fund products and grasping the profit opportunity. Here is a systematic introduction to the principles of regular quota for you. By observing these eight basic principles, you can make better use of this method:

1. Set financial goals. You can deduct 3 yuan or 5 yuan at regular intervals every month. When the net worth is high, you can buy fewer shares, and when the net worth is low, you can buy more shares, which can disperse the entry time. This "average cost method" is most suitable for raising retirement funds or children's education funds.

2. Do what you can. Fixed-term investment must be done easily and without burden. A customer once decided to deduct 5, yuan per month to diversify the investment target, but after a period of time, he had to take out the fixed deposit and continue investing, which was too uneconomical. I suggest that you should first analyze your monthly income and expenditure and calculate the idle funds that can be saved, either 3 yuan or 5 yuan.

3. Choose a market with an upward trend. The oversold market with good fundamentals is most suitable to start regular fixed investment. Even if the market is at a low level at present, you can consider starting investment as long as you are optimistic about the long-term development in the future.

4. The investment period determines the investment target. The time compound interest effect of fixed long-term investment disperses the short-term risks of short-term stock market and fund net value fluctuation. As long as the principle of long-term deduction can be observed, the fund with large fluctuation can actually improve its income, and the long-term return rate of the fund with higher risk should be better than that of the fund with lower risk. If the long-term financial management goal is more than 5 years to 1 years or 2 years, you may wish to choose a fund with large fluctuations, while if it is the goal within 5 years, it is better to choose a fund with stable performance.

5. persevere. Long-term investment is the most important principle of accumulating wealth on a regular basis. This method should last for more than three years to get good results, and long-term investment can give full play to the compound interest effect of regular quota.

6. Grasp the timing of termination. The term of fixed-term investment should also be determined by the market situation. For example, after two years of investment, the market has risen to a very high point, and after analysis, the market may enter another short cycle, so it is best to cancel the contract first and get a profit. If you are about to face the capital demand, such as the retirement age, you should pay more attention to the market situation and decide the time to terminate the contract.

7. Make good use of partial termination and switch funds in time. After starting regular fixed investment, if you have to cancel the contract and redeem it temporarily or the market is at a high point, and you are not sure about the market outlook, you don't have to completely cancel the contract, you can redeem some shares to obtain funds. If the market trend changes, you can switch to another round of rising market and continue to make regular fixed investment.

8. Trust experts. When starting regular fixed investment, you don't have to pay too much attention to the short-term ups and downs and the accumulation of shares, and you can consult experts when necessary.

How to handle the fixed investment business of the fund:

Select a fund, go to the website of the fund company to find out whether the fund has fixed investment, what is the minimum monthly amount, and which banks have consignment, then go to the bank counter and tell the counter staff that you want to handle the fixed investment of the fund, and then the counter staff will help you do it well. You just need to fill out the documents according to the instructions. It is very simple.

Deduct it directly from the amount of your fixed investment, for example, your fixed investment. The subscription fee is 1.5%, so your actual purchase fund is 197 yuan, and 3 yuan is the subscription fee. You don't need to go to the bank yourself to hand in

a list of the main fixed investment funds of all banks

1. Fixed investment funds represented by ICBC

ICBC Credit Suisse Core Value Fund (fund code: 4811), Guangfa Steady Fund (fund code: 272), Rongtong Blue Chip Growth Fund (fund code: 16165) and Nuoan Balanced Fund (fund code: 3225). Bosera Select Stock Fund (fund code: 54), Southern Baoyuan Bond Fund (fund code: 2211), Guangfa Jufu Fund (fund code: 271), Shenwan Paris Sheng Li Select Fund (fund code: 3138), Guolian Desheng Steady Fund (fund code: 2551) and Southern Steady Growth Fund (fund code: 2551). All funds owned by Baoying

2. Fixed investment fund represented by CCB

Great Wall Jiutai CITIC S&P 3 Index Securities Investment Fund, Morgan China Advantage Securities Investment Fund, Rongtong New Blue Chip Securities Investment Fund, Huaxia Return Securities Investment Fund, Great Wall Jiuheng Balanced Securities Investment Fund, Jianxin Permanent Value Stock Securities Investment Fund, Jianxin Money Market Fund, Huaxia Return Securities Investment Fund, and Bosera value growth. Bosera Yufu Securities Investment Fund, Bosera Cash Income Securities Investment Fund, Bosera Select Stock Securities Investment Fund

3. Harvest Growth/Growth/Steady/Bonds/Services/Ultra Short/Theme Selection, Dacheng Blue Chip, Yifangda Steady Growth/Strategic Growth/Strategic Growth No.2/Positive Growth/Monthly Income A, Xiangcai ABN Amro, Jing Shun Dingyi/BOC China/BOC Growth/BOC Currency/BOC International Income, and Yin Hua Quality Growth. Jing Shun Balance, Taixin Daily Income, Haitian Rich Income Growth, Haifutong Stock

4, Fixed Investment Fund of Bank of Communications < P > Huaxia Market Selection, Huaxia Bond C Charge, Huaxia Cash Increase, Cathay Golden Eagle Growth, Cathay Golden Dragon Bond, Cathay Golden Horse Steady Return, Cathay Golden Elephant Guaranteed Cathay Currency, Huaan Innovation, Huaan China A Share, Huaan Cash Fuli, Huaan Baoli, Bo. Bosera Stable Value Fund, Harvest Currency, Dacheng Select, Rich Country Tianyi Value Growth (Pre-collection), Rich Country Tianrui Strong Area Selection (Pre-collection), E Fund's Steady Growth, E Fund's 5 Index, E Fund's Positive Growth, E Fund's Money Market, Yinhe Yinfu Money Market, Yinhe Yintai Financial Dividend, Yinhe Steady, Yinhe Income, South Active Allocation Fund, Penghua Putian Bond, Penghua Putian Income, Penghua Value Advantage Stock, Penghua Putian Bond Class B, Rongtong New Blue Chip (after receipt), Rongtong Bond, Shenzhen Stock Exchange 1, Blue Chip Growth, Rongtong Industry, Wanjia Public Utilities Industry, Golden Eagle Small and Medium-sized Selection, Xiangcai Hefeng Growth, Xiangcai Hefeng Cycle, Xiangcai Hefeng Stability, Xiangcai ABN Amro Selection, BOC International China Selection, Yin Hua Currency Class A, Yin Hua Currency Class B, Golden Eagle Component Stock Selection, Tianzhi's wealth grows, Tianzhi's quality is optimized, Morgan China's advantage is invested, Guolian's high-quality growth (before receipt), Changsheng CITIC Index Bond (after receipt), Haifutong's income, Haifutong's selection, Haifutong's money market, Bank of Communications Schroeder's currency, Bank of Communications Schroeder's selection, HSBC Jintrust's 216 life cycle

5, Minsheng Bank's agent's fixed investment fund

Yin Hua's dominant enterprise, great value. China Rongronghua Bond Fund, Rongtong Bond, Rongtong Shenzhen 1, Rongtong Blue Chip Growth, Guotai Jinlong Series, Fuguo Tianli Growth Bond, Rongtong Easy Payment Money Market Fund, Shenwan Paris Profitable Money Fund and Tianzhi Tiandeli Money Fund.