Fixed fund investment is the abbreviation of fixed investment on a regular basis, which refers to investing in a designated open-end fund with a fixed amount (such as 1.00000 yuan) at a fixed time (such as the 8th of each month), similar to the bank's zero deposit and withdrawal method. The fund's fixed investment is known as lazy financial management, and its value stems from a saying circulating on Wall Street: "It is more difficult to step into the market accurately than to catch a flying knife in the air." If you adopt the method of buying in batches, you will overcome the defects of buying and selling at one time, balance the cost and make yourself invincible in investment, that is, the fixed investment method.

General characteristics

Save time and effort, worry and trouble

After handling the fixed investment of the fund, the institution will automatically withhold the corresponding fund subscription funds on each fixed day. Investors only need to ensure that there are enough funds in the bank card, which saves time and energy to go to banks or other institutions.

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.

Regardless of 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.

Average investment, spread risk

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.

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.

It is convenient and quick to go through the formalities.

All major banks and securities companies have opened the fixed investment business of funds. It is worth mentioning that the entry threshold for the fund's fixed investment is low, such as the fixed investment business of ICBC, and the minimum monthly 200 yuan investment can be used for the fund's fixed investment; The minimum subscription amount for the fixed investment business of China Agricultural Bank is only 100 yuan per month. 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.

fundamental principle

1, set financial goals. You can deduct 3000 or 5000 regularly every month. When the net worth is high, you can buy less stocks, and when the net worth is low, you can buy more stocks, which can spread the entry time. This "average cost method" is most suitable for raising retirement funds or children's education funds.

2. Do your best. Fixed investment must be done easily and without burden. A customer once decided to deduct 50,000 yuan per month to diversify the investment target, but after a period of time, he had to take out the fixed deposit to continue investing, which was too uneconomical. I suggest that you first analyze your monthly income and expenditure and calculate the idle funds that can be saved, either 3000 yuan or 5000 yuan.

3. Choose a market with an upward trend. An oversold market with good fundamentals is most suitable for starting regular fixed investment. Even if the current market is at a low level, as long as you are optimistic about the long-term development in the future, you can consider starting to invest.

4. The investment period determines the investment target. The time compound interest effect of fixed investment and long-term investment disperses the short-term risk of short-term stock market and fund net value fluctuation. As long as the principle of long-term deduction can be observed, funds with large fluctuations can actually improve their returns, and funds with high risks should have better long-term returns than funds with low risks. If the long-term financial management goal is more than 5 years to 10 or 20 years, you may wish to choose a fund with large fluctuations, while if it is within 5 years, it is best to choose a fund with stable performance.

5. insist. Long-term investment is the most important principle of accumulating wealth regularly. This method must last for more than three years to get good results, and long-term investment can give full play to the compound interest effect of regular quota.

6. Grasp the timing of termination. The term of regular investment should also be determined according to market conditions. For example, after two years of investment, the market has risen to a very high point, and after analysis, the market may enter another short cycle, so it is best to cancel the contract first and get benefits. If you are about to face capital needs, such as retirement age, you should pay more attention to the market situation and decide when to terminate the contract.

7. Make good use of partial cancellation and convert funds in time. After starting regular fixed investment, if you need to cancel the contract temporarily or the market is at a high point, you are not sure about the market outlook, you don't have to cancel the contract completely, and you can redeem some shares to obtain funds. If the market trend changes, you can switch to another round of rising prices and continue to make regular fixed investment.

8. Trust experts. When you start regular fixed investment, you don't have to care too much about short-term ups and downs and share accumulation. If necessary, you can consult experts.