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Foreword Fund and Life (2)
Another concept that I don't quite agree with, the "fixed investment fool's investment" promoted by fund companies in the past, teaches you to "buy at any time, buy casually and not sell", and always plans a bright future, telling you that the average annual yield of the stock market is about 15%, and how much money is deducted every month can become tens of millions in the long run (for example, after twenty or thirty years). Therefore, many people buy the fund and leave it, regardless of whether the profit reaches the preset stop loss point, but this often misses the best selling point. In fact, buying funds at a fixed time is different from buying stocks. At the stopping point, don't like overlapping, and transfer the profits together with the principal to reinvest, so as to achieve the effect of compound interest at regular intervals.
For me, the way to win a fixed time limit is to "buy stupid and sell smart." Since I realized the correct practice of regular quota, from 1983 to now, I have never lost money in regular quota funds, only earning more and earning less. If it falls, it will not be sold, and the deduction will not stop. Even though the Asian financial turmoil, SARS and the cross-strait crisis made people panic and sold houses and stocks one after another, I would not change my original intention and continue to deduct money until the storm ended and the fund was withdrawn. After more than ten years, the average annual rate of return is about 20%.
U non-stop speech, just want to put this ...