It is difficult for ordinary investors to grasp the right investment opportunity in time, and they often buy at the high point of the market and sell at the low point of the market. However, the fixed investment mode of the fund is adopted. No matter how the market fluctuates, the fixed investment fund will be fixed for one day every month, and the bank will automatically deduct the money, and automatically calculate the number of fund shares that can be purchased according to the net value of the fund. In this way, investors buy funds on schedule, and the investment cost is relatively average.
For example, if you invest in an open-end fund of 100 yuan every two months, the total amount of investment in 1 year is 600 yuan, and the subscription price of each investment is 1 yuan, 0.95 yuan, 0.90 yuan, 0.92 yuan, 1.05 yuan and 65438 yuan respectively. Then you can buy 100, 105.3, 1 1, 108.7, 95.2 and 90.9 at one time, and the cumulative number of copies is 665438+. The average cost is 600 ÷ 6 1 1.2 = 0.982 yuan and the return on investment is (1.1× 61.2-600) ÷. (Note: Fund investment is risky, and the past examples are for reference only, not as a hint or guarantee of fund investment return. )
2. Suitable for long-term investment
Because the regular quota comes into the market in batches, when the stock market is consolidating or falling, because the regular quota is undertaken in batches, you can buy more and cheaper, and the return on investment after the stock market rebounds is better than that of a single investment. For the China stock market, it should be a volatile upward trend in the long run, so regular quota is very suitable for long-term investment and financial planning.
According to the survey results of Morgan Fleming Investment Company on investors in Taiwan Province Province, about 30% investors choose the way of regular fixed investment fund. Especially in the 3 1-40 age group, as many as 36% people are engaged in this investment. The survey of investors' satisfaction with investment tools shows that the satisfaction of investors who buy and sell stocks in Taiwan Province Province is 39.5%, that of investors who buy funds in Taiwan Province Province alone is 55%, that of investors who invest in overseas funds alone is 52.5%, and that of investors who invest in fixed funds regularly is as high as 53.2%, which further shows that investors prefer investment targets with low volatility and pursuing long-term stable appreciation.
3. It is more suitable for investing in emerging markets and small equity funds.
For emerging markets or small stock-based overseas funds with large fluctuations in medium and long-term fixed investment performance, because the stock market callback time is generally long and the speed is slow, but the rising stock market rises rapidly, investors can often accumulate more fund shares when the stock market falls, thus obtaining a better return on investment when the stock market rebounds. According to Lipper Fund data, as of the end of June 2005, the average return rate of investors who have continuously deducted money for investing in any emerging market or small company stock fund in the last three years is at least 23%.
4, automatic deduction, simple procedures
Fixed-term investment funds only need investors to go through the one-time formalities at the fund agency, and then they will automatically deduct the subscription for each period, usually on a monthly basis, but there are also other time limits such as semi-monthly and quarterly as regular units. In contrast, buying a fund by yourself requires investors to go through the formalities in person at the agency every time. Therefore, the fixed investment fund is also called "lazy financial management", which fully embodies its convenient characteristics.
Advantages of regular fixed investment
First, invest regularly, every little makes a mickle. Investors may have some idle funds from time to time. By regularly planning to buy the target and increasing the investment value, they can "gather sand into mountains" and unconsciously accumulate a lot of wealth.
Second, there is no need to consider the investment time. The key to investment is "buy low and sell high", but few people make a profit by grasping the best trading point when investing. In order to avoid this artificial subjective judgment error, investors can invest in the market through the "fixed investment plan", regardless of the market entry time, market price and long-term investment decision on its short-term fluctuation.
Third, average investment and spread risks. The capital is invested in stages, with high and low input costs and relatively low long-term average, which maximizes the diversification of investment risks.
Fourth, the compound interest effect is considerable for a long time. The income of the "fixed investment plan" is the compound interest effect, and the interest generated by the principal is added to the principal to continue to derive income. Through the effect of rolling interest calculation, the compound interest effect is more obvious with the passage of time. It takes a long time for the compound interest effect of fixed investment to be fully displayed, and it is not appropriate to terminate it casually because of short-term market fluctuations. As long as the long-term prospects are good, the short-term decline in the market is an opportunity to accumulate more cheap units. Once the market rebounds, long-term accumulated units can make a one-time profit.
Fifth, the procedures are convenient and quick. At present, ICBC, Bank of Communications, China Construction Bank, and Minsheng Bank have opened the fixed investment business of funds. It is worth mentioning that the entry threshold for the fund's fixed investment is relatively low. For example, for ICBC's fixed investment business, the minimum monthly 200 yuan investment can be used for the fund's fixed investment. Investors can conduct all transactions such as fund subscription and redemption online, realize the binding of fund account and bank fund account, and set subscription date, amount, term and fund code. Used for regular fixed investment of the fund. At the same time, online banking also has many functions, such as fund account inquiry, fund account balance inquiry, net value inquiry, and changing dividend distribution method, so investors can easily complete their investment. What kind of person is a fixed investment suitable for?
1, young moonlight clan: As the fixed investment of the fund has two functions of investment and saving, you can leave your daily living expenses after paying the capital, and make a fixed investment for the rest of the funds to "force" yourself to save and cultivate good financial habits!
2. Office workers with fixed wages: Most office workers often have a small balance after meeting their daily expenses, and a small amount of regular investment is the most appropriate. Moreover, due to the low investment level of most office workers, it is impossible to accurately judge the timing of entering and leaving the market. So through this tool, you can steadily realize asset appreciation!
3. There will be special (or large) capital needs at some point in the future: for example, the down payment for buying a house after three years, the fund for children to study abroad after 20 years, and even their own retirement pension fund after 30 years. When you know that there will be a big demand for funds in the future, it will not only cause your daily economic burden, but also make the small money every month easily turn into big money in the future.
4. People who don't like to take too many investment risks: Due to the advantage of weighted average investment cost, regular fixed investment can effectively reduce the overall investment cost, reduce the risk of price fluctuation, and then make steady profits, which is the best choice tool for long-term investors to be optimistic about the market.
Choose the right time
Although funds are the best way for small investors to participate in the profit growth of the stock market, not every fund is suitable for regular fixed investment. Only by choosing the right investment target can we create excellent returns. First of all, fixed-income instruments such as bond funds are not suitable for regular fixed-income investment. It is suggested to invest in fixed income regularly, and stock funds should be considered first.
Secondly, when making regular fixed investment, we should choose the rising market. The oversold market with good prospects is most suitable for starting regular fixed investment. At this stage, the investment economic cycle is upward and the bottom is consolidating. Avoiding chasing high is the only rule to create profit and principal security. Therefore, as long as the long-term prospects are good, it is most worthwhile for the short-term market to start regular fixed investment.
Third, choose the right fund.
Choosing a volatile fund or a stable fund is a problem that must be considered when making a fixed investment. Funds with large fluctuations have a better chance to accumulate more low-priced stocks during the decline of net value, and can make quick profits when the market rebounds. However, if the deduction starts from a high point and the redemption unfortunately hits a low point, then even if the risk of entering the market is dispersed regularly, the income will not increase.
Funds with stable performance have small fluctuations and generally do not encounter the problem of low redemption, but the relative average cost will not drop too much and the profit is relatively limited.
In fact, the time compound interest effect of long-term fixed investment disperses the short-term risk of long-term stock market and fluctuating fund net value. As long as we can adhere to the principle of long-term deduction, choosing a fund with large fluctuations can really improve the income, and the long-term return rate of a fund with high risk should be better than that of a fund with low risk. Therefore, if the long-term financial management goal is more than five years to ten or twenty years, it is advisable to choose a fund with large fluctuations, while if it is within five years, it is best to choose a fund with stable performance.
Fourth, how to determine the fixed investment?
It varies from person to person, depending on the specific situation! Under normal circumstances, 40%-60% of the remaining funds can be used for fixed investment after the necessary expenses are paid every month. After all, fixed investment is a long-term investment, so we should consider and take care of the future revenue and expenditure!
5. It is very important to evaluate the redemption time.
It is very important to determine the redemption time for regular investment funds. If the market plummets and the net value of the fund plummets, the effect of patiently accumulating units will be greatly reduced.
Therefore, regular fixed investment should be planned reasonably. Accumulate long-term funds such as retirement funds, and pay attention to redemption opportunities three years before retirement age. And even if it is only half of the investment period, we should pay attention to the growth of the market to adjust. For example, if you plan to invest for five years, the market is already high-end after three years of deduction, and the market will enter another short cycle, so it is best to take profits first and avoid shorting the bottom of the market when faced with capital demand.
Profit-taking can make good use of partial redemption and timely conversion. After the regular quota is started, if it is necessary to cancel the contract temporarily, or if the market is high-end, it is impossible to judge the subsequent trend direction. It is not necessary to redeem all units at once, and some units can be redeemed to obtain funds, while others can be retained until the trend is clear. If the market trend changes, you can switch to another market with an upward trend to continue regular fixed investment.
Once you start to invest the right funds regularly, you don't have to worry about short-term ups and downs.
Sixth, formulate efficient investment strategies.
There is still a certain difference between regular quota and monthly "fixed deposit". You can use all kinds of flexible investment strategies flexibly to improve investment efficiency.
First, choose funds with different long-term and short-term goals.
For example, in order to raise 300,000 yuan for children to study abroad, it is more appropriate to choose a stable fund; However, if the investment period is extended and the required monthly investment amount is low, the investment proportion of active and steady funds can be appropriately allocated to obtain greater income.
Second, adjust the investment quota according to economic capacity.
With the extension of employment time and the increase of income, the total monthly investable amount of individuals or families is also increasing. Increasing the monthly deduction amount in time is also a way to shorten the investment cycle and improve the investment efficiency.
Third, we need to reconsider the content of the portfolio after reaching the preset goal.
Although it will take a long time for a fixed investment to show the best return, if the return on investment has been realized within the preset investment period, it is advisable to check whether the contents of the portfolio need to be adjusted. Regular quota is not just a monthly deduction. Using simple and flexible strategies can make your investment more efficient and achieve your financial goals as soon as possible. A novice can buy, sell or invest in a fund by opening an account with an ID card at a securities company or bank. At present, there are three main channels for buying and selling open-end funds, and the cheapest is floor trading:
Securities companies can buy and sell open-end funds, index funds, closed-end funds, LOF funds, stocks, warrants and bonds. There are more than 590 kinds of open-end funds.
One. Bank subscription: it is the worst way to buy and sell funds: front-end fee 1.5%, redemption fee 0.5%, and back-end fee about 2%. However, if it is held for less than half a year, the redemption fee is charged year by year. Generally, there is no redemption fee for holding for more than three years. Each bank can probably buy 100 kinds of funds, and the money will arrive in 4-7 days, which takes a long time. Maybe the market has changed and you want to reapply, but the money hasn't arrived yet. This is the worst way to buy and sell funds.
Two. Go directly to the fund company to purchase from the Internet: 1.5% of the subscription fee can be discounted by 60%, and the redemption fee is 0.5%. Each fund company can buy its own fund and register several fund companies online. When opening an online bank, it takes 4-7 days for the money to arrive at the account when it is redeemed, which takes a long time. Maybe the market has changed and you want to reapply, but the money hasn't arrived yet. It is troublesome to open online banking and register a number of fund companies online, which is a poor way to buy and sell funds.
Three. Open a securities account and apply online at home without going to the bank. Buying a fund in a securities company: the subscription fee is 0.3% and the redemption fee is 0.3%. Open-end funds, such as South China's active allocation and South China's high-growth small-cap funds, can also buy index funds, that is, eight ETF funds, such as E Fund 100 ETF Huaxia SSE 50 and AIA Dividend ETF. The advantage is that the cost is low, and the handling fee for buying and selling funds in securities companies is 0.3%, and stamp duty is not charged.
At present, the market fluctuates greatly, and the better fund varieties suitable for on-site trading mainly include Xingye Trend, Huaxia Blue Chip, Huaxia Industry and Nanfang 500. If you make a fixed investment in the bank, you can choose Huaxia Dividend, Harvest Theme, Chinese Business Prosperity and other varieties, which are suitable for investors who pursue steady investment.