Fixed investment is to take out a sum of money from one's salary every month to invest, which is equivalent to having an investment and wealth management account, which will automatically deposit money into it every month. Through continuous accumulation, small money can also become great wealth.
2. Is it a guaranteed investment?
Now many investors will ask, can the product be guaranteed? Unfortunately, the fixed investment is mainly investment funds, and it cannot promise to protect the capital. If the market is not good in the short term, there may even be losses.
Even the wealth management products that people usually buy can't promise investors to protect their capital. What we can do is to choose the right products according to our risk tolerance.
However, because the fixed investment is bought in batches at different prices, the risk of buying at a high level is avoided. Compared with one-time purchase of fund products, the risk of choosing to buy and hold it for a long time is relatively small.
3. How much do you usually do a month?
Every investor's situation is different. It is generally recommended that 10%-20% of salary income be used for fixed investment every month, so that the quality of life will not be affected because the fixed investment amount is too high, and money will not be saved because the fixed investment amount does not match the income.
Assuming a monthly salary of 5,000 yuan, if the fixed investment amount of 500 yuan is set every month, it is actually the money for two meals or a dress, which can be saved completely.
4. Is this deducted every month?
Please rest assured that fixed investment is a very flexible investment tool. The deduction date and amount of the fixed investment plan, including the beginning and end, can be changed at any time.
Under normal circumstances, if a fixed investment plan is set, the system will automatically deduct the corresponding amount from your account on the monthly deduction date. However, if money is tight for a while, you can choose to suspend the fixed investment plan and wait until you have more money. On the contrary, if you want to invest more every month after your promotion and salary increase, you can also modify the fixed investment amount at any time to accumulate more investment chips for yourself.
5. What is the rate of return of fixed investment?
The fixed investment of the fund does not guarantee the income. Need to be reminded that fixed investment is a process that takes time to accumulate. If it is only a few months or even years, the income of fixed investment may not be much different from the short-term market conditions. Only by persisting in this matter will the effect of fixed investment and compound interest gradually appear.
6. There are already five insurances and one gold. Do you still need a fixed investment?
From the medical point of view, traffic accidents, imported drugs for serious diseases, recuperation expenses and lost time due to illness are not covered by social security;
In terms of providing for the aged, prices have soared. According to the current system, the existing pension can only provide pension income of about 2,000-3,000 yuan per month for decades, but according to the rice price in the 1990s, the actual purchasing power of future pension is only 700 700- 1000 yuan, which is far from enough for the elderly who need a lot of medical expenses, nutrition expenses and nursing expenses.
From the perspective of education, the cost of training a higher education talent ranges from 400,000 yuan to 2 million yuan. If it is not planned in advance, where will this cost come from?
The shortage of emergency medical expenses, the shortage of pensions and the need for long-term reserves to achieve the purpose of the education fund all show that even if we have five insurances and one gold, we still need to keep saving and investing for future emergencies.
7. What if you don't have the habit of saving money and are worried that you can't stick to it?
Save money. If you don't save, you will never have money. Investors who insisted on fixed investment in the past summed up some methods and experiences to help you insist on fixed investment:
Set the deduction date of fixed investment as the second day of salary payment, so you don't have to worry about fixed investment because the money will be spent by the end of the month.
Set a goal for fixed investments in your mind, such as tourism, education funds, etc. And write it in the remarks of the fixed investment. Annual travel expenses abroad, daughter's college tuition, etc. , all written in the remarks of the fixed investment. There are many investors who have achieved their small goals by fixed investment. I believe you can do it too!
Adhere to the principle of "stop profit without stop loss", don't give up the fixed investment because of temporary losses, look at the investment from a long-term perspective, stick to it when you earn, and stick to it even more when you lose.
"Love is unbridled, but love is restrained", so you can save more money to go out to eat, buy more clothes, and get the fixed investment every month!
8. What are the flaws in the product selection of fixed investment?
According to historical data and previous experience of fixed investment, because fixed investment is bought at different prices, the fund with greater volatility has better cost sharing effect.
For example:
Suppose we invest in a product from 1 yuan, and each investment is 1000 yuan;
The market price is constantly changing, and the price changes by 0. 1 yuan every once in a while;
During this period, the product gradually fell to 0.5 yuan from 1 yuan, and then gradually rose to 1 yuan.
Under this assumption, we simulate the most common market situation of fixed investment from falling to rebounding. What will happen if we insist on a fixed investment during this period?
From the above chart calculation, we can see two interesting conclusions:
Product prices range from 1 yuan to 0.5 yuan and then to 1 yuan. The one-time return on investment is 0, and the return on fixed investment is actually 36%.
1 yuan, the product lost only 30% when it fell to 0.5 yuan, but it actually started to make a profit when it was in 0.7 yuan.
Why is this happening? Mainly due to the nature of regular fixed investment. At a lower price, we also invest the same amount, so we will buy more shares at a lower price, so we will get more share returns when we rebound.
When the market falls, by continuing to buy at the low position, the average entry cost can be reduced and more chips can be added at the low position. When the market is rebounding, you don't have to wait until you return to the original point, you can start to make a profit.
9. When will the fixed investment be made?
There are four ways to choose a fixed investment period:
Make a fixed investment plan at a certain time. For example, if you plan to get married in five years and prepare to save a wedding fee, then make a five-year monthly fixed investment plan.
Set an uncertain fixed investment plan, such as pension, education fund, etc.
Make a fixed investment plan and determine the rate of return. For example, if the rate of return on fixed investment exceeds 20%, you will feel the ups and downs of the market. When the rate of return reaches the number you set, it is judged that the market will rise again, and you can wait a little longer. On the contrary, if you feel that there may be a downside risk, you can also go out first and wait until it is "cheap" before continuing to vote.
Set a fixed investment plan with a target amount and set your ideal amount as the ultimate goal of the fixed investment plan. After the amount is reached, the fixed investment can be stopped, such as the travel expenses of 30,000 yuan, and the plan can be suspended when it is reached. The advantage of this method is that you have more goals and motivation to save money for fixed investment, and with the increase of income, you can shorten the time for fixed investment.
10, why do you want to vote?
Fixed investment is a lonely journey, it can't bring you the joy of standing at the highest point. Behind the famous students is night reading day after day, and behind the world champion is unimaginable hard training every day.
Excellent investors are lonely, because they always stand on the opposite side of greed, comfort and enjoyment, and fixed investment is such an investment tool that can help us overcome human weakness.
It allows you to stop hesitating about the timing of entering the market, get rid of irrational chasing up and down, and let you pursue your wealth goals and ideals through accumulated temperance instead of hoping to get rich overnight.
Fixed investment can't change life, what changes is ourselves.
If you also choose a fixed investment, please don't come here at the peak, and don't turn around and leave at the bottom of the valley. Encourage friends who insist on a fixed investment.