For example, investors decided to make a fixed investment on September 8, 20 19. When a fixed investment is made, the set deduction period is once a week, and the deduction date is Monday. Then, on September 9, 20 19, the system automatically deducts money, and the number of fixed investment periods is one. On September 20 19 16, the system deducted money for the second time. At this time, the number of fixed investment periods has become two; On September 23rd, 20 19, the system deducted money for the third time. At this time, the number of fixed investment periods becomes three. That is, the number of fixed investment periods of the fund is actually the number of times that investors have successfully bought the fund.
Importance of fixed investment
First of all, let's understand the significance of fixed investment. Fixed investment of funds is the abbreviation of regular investment funds, and the number of periods refers to the number of investment funds. The more times, there is no doubt that the fixed investment will last longer.
What are the benefits?
1, small money investment, monthly idle money balance accumulated into a tower, more and more;
2. Purchase in batches, balance investment, dilute purchase cost and spread risks.
I don't deny that many a mickle makes a mickle. It is like a piggy bank. If you put a dime in every day, the total amount will naturally increase after a long time. However, fixed investment is investment after all, and the more periods, the more principal. But whether these principals can dilute the purchase cost and make money depends on the situation and time.
02
Fixed investment is not everything.
The number of fixed investment periods is not as high as possible.
Because the situation, that is, related to market conditions:
Note: The monthly investment of Shanghai and Shenzhen 300 Index is 1 1,000 yuan. The investment method and amount in the following cases are the same as this. Refer to the specific calculation method: fixed investment yield =[(sum (fixed investment amount per period/closing point at the beginning of each month) * closing point at the end of each month) /(sum (fixed investment amount per period * number of investment periods)) ]- 1.
As can be seen from the above, fixed investment is not omnipotent, and it has obvious advantages over one-time investment in the case of unilateral decline, first decline and then rise; However, in the unilateral rise, it rose first and then fell, and lost the one-time investment.
Moreover, in the process of stock market decline, if the decline process lasts for a long time, insisting on the fixed investment of the fund has no obvious effect on diluting the subscription cost, that is, the number of fixed investment periods is not as high as possible. For example, from September 1, 2065438 to May 3 1, 20 14, the Shanghai and Shenzhen 300 Index fell by 6.80%, and the return on fixed investment was only -5.63%. (Source: WIND, U8 Fixed Investment Calculator)
According to the time, that is, related to the length of time:
I don't know if you have heard of the principle of diminishing marginal effect. This is a theory of economics, which means that the effect brought by each additional unit is decreasing compared with the previous unit.