Because the fixed investment has the characteristics of automatic subscription, cost sharing, no timing and long-term investment, it is suitable for a wide range of people. To sum up, there are four main types of people who are suitable for the fixed investment of the fund.
The first category is people who lack enough time or professional knowledge to study the market. The time, amount and funds of fixed investment are all set in advance. For investors who lack enough time or professional knowledge to study the market, fixed investment saves time and effort, and at the same time, they can get good investment income in long-term investment.
The second category is people who are afraid of high fluctuations in the stock market and hope to have certain income. The strategy of buying in batches can avoid the opportunity risk of one-time buying, share the cost more effectively, reduce the investment risk and not miss the opportunity when the market rises.
Taking the Shanghai and Shenzhen 300 index funds as an example, the 20 18 market fell sharply, with the biggest loss of a single investment of 28.78%, while the loss of a fixed investment of 14.74% was only half of that of a single investment. It can be seen that in the falling market, fixed investment can effectively reduce costs and losses. After that, the market rebounded and rose, and the fixed investment did not miss the opportunity. Moreover, due to the continuous low-level investment, the cost is lower, and the final rate of return is significantly higher than that of a single investment.
The third category is people who are easily influenced by market sentiment. Individual investors are easily influenced by market sentiment in the investment process, and some investment behavior deviations, such as herd effect, are prone to make investors ignore market risks or miss good investment opportunities. There is no need for human intervention in the process of fixed investment, which greatly reduces the negative impact of investment behavior deviation on investment.
In the fund market, the typical herding effect is that the average issuance share of the fund follows the rise and fall of the market. For example, 202 1, 1, the market is hot, and the average issuance share of stock funds and hybrid funds is as high as 359 1 100 million, while in March and April of 2020, when the market is extremely depressed, the average issuance share is only about 1 100 million.
Why did Ji Min lose money? The main reason is still influenced by market sentiment. I entered the market at a high level, was at a loss, and then I was out. Judging from the average issuance share over the years, the current fund issuance is at the freezing point, which may be a good opportunity for fixed investment.
The fourth category is people who have a fixed salary every month. On the one hand, you can plan and arrange your income reasonably by investing a certain amount of money every month or every period of time to avoid becoming a "moonlight family"; On the other hand, if you insist on fixed investment for a long time, you can generally get a certain investment income and realize the preservation and appreciation of wealth.
Of course, in addition, we can also achieve the established goals through fixed investment. For example, there are plans to get married, prepare the down payment of the house, prepare the children's future education expenses in advance, or reserve some pensions now. Because the time for using funds is not very urgent, fixed investment is a good way to manage money. Because there is still a period of time before the use of funds, through persistent small investment, there is a better chance to witness the value of long-term investment.
The fixed investment of the fund is suitable for most people, but it is definitely not suitable for everyone. Because the fixed investment is a long-term and continuous investment, people who are too greedy and frequently buy in buy buy; Or there is not much determination, and people who are nervous when they encounter losses are not suitable for fixed investment. In addition, the investment funds are unstable, and people who will always use fixed investment funds are not suitable for fixed investment. For example, if the elderly are sick and need to withdraw cash, the stock market may be in a down cycle, and forced withdrawal may lead to losses. Therefore, when starting the fixed investment, it is necessary to plan the use of funds to prevent the fixed investment from being affected and forced to terminate early.