Some fund companies describe regular fixed investment as "suitable for all ages" in their propaganda, which is an alternative product of lump-sum deposit and withdrawal. Fixed investment fund has its inherent advantages and disadvantages, and whether it is a "suitable for everyone" financial management method is worth studying.
In fact, fixed investment is just a way to buy funds. Although similar to lump-sum deposit and withdrawal, there are great differences between them in the safety of investment. As long as the bank does not close down, the principal and interest can be obtained on schedule by lump-sum deposit and withdrawal; The fund may not get any income because of the change of net value, and even affect the safety of the principal. Therefore, investors who pursue security are not suitable for regular fixed investment in open-end funds.
In addition, investors with unstable income should also use fixed investment with caution. This investment method requires the fund company to deduct certain funds on a monthly basis. According to the regulations of the fund company, if the balance of funds in the investor's account is insufficient within the deduction date, it will be regarded as a breach of contract. If it exceeds a certain number of defaults, the fixed investment plan will be forcibly terminated, which may bring certain losses to investors. Therefore, investors with unstable income should try to invest in the fund by one-time purchase and multiple purchases.
Now all kinds of new funds are constantly being introduced. At the same time, more and more funds have introduced regular fixed investment. Fund companies with "expert financial management" could have brought more generous returns to investors by improving their services and updating their issuance methods, but some funds have become "helpless". On the one hand, some fund companies still can't get rid of the dilemma of "relying on the sky to eat" and can't bring ideal returns to regular fixed investors and one-time investors. On the other hand, it is necessary to charge high management fees, subscription fees and redemption fees. Investors "hand over" their hard-earned hard-earned money to financial experts every month, in exchange for shrinking assets.
Therefore, not all funds are suitable for regular fixed investment. Investors must comprehensively measure and analyze the performance of funds, and then choose funds with high net worth and fast growth for regular fixed investment. If there is no good variety of regular investment funds, simply continue to deposit and withdraw them, or find other investment channels yourself.
Open-end funds generally focus on investing in stocks, so their net value has a great relationship with the trend of stock indexes. If the stock index continues to fall, and you are not sure about the future trend of the stock index, it is more suitable for regular fixed investment. However, if it is predicted that the stock index and fund net value will enter a downward channel, the fund should buy early and late sets. At this time, it should not be "knowing that there are tigers in the mountains and leaning towards the tiger mountain." For example, when the net value of a fund is 1. 1 yuan, fixed investment is adopted on a regular basis, and then the net value of the fund drops at the rate of 0.0 1 yuan per month, so the average subscription price for a year or so is about 1.05 yuan; However, if the bottom of the forecast is 1 yuan, when it falls to this price, it will be bought at one time. At this time, the buying cost is only 1 yuan, which is 0.05 yuan cheaper than regular fixed investment.
In addition, if you subscribe for funds by regular quota, you must have a long-term investment plan. If investors buy funds regularly and redeem them for some reason, it will not be able to reflect the advantages of "long-term cost sharing" and it will be difficult to achieve the investment effect of regular quota.
The above is about "what are the advantages and disadvantages of fixed investment funds?" For more fund knowledge, please pay attention to the gold investment fund network.