Fund fixed investment is to invest funds in fund products through a fixed period of time, which can achieve the purpose of diversification. The purpose of index funds is to track the index and buy all or part of the index stocks in order to pursue the fund with the same index increase and obtain the average market income. It also uses the concept of diversity. Index fund and fund fixed investment coincide at this point, and the combination of the two can achieve good investment results.

Must index funds always be held?

The fund's fixed investment pays attention to long-term persistence. So, can index funds buy and hold blindly? Of course not. If the same index fund is more expensive than others, its investment value will decline. If the intrinsic value of an index fund is 2 yuan, but the price is 3 yuan, it will be a loss to buy at this time, and the index fund is not suitable for fixed investment all the time. In order to obtain higher returns, index funds also have certain strategies to explore.

Fixed investment when the index is cheap.

We all want to buy cheap things. Cheap here does not mean the net value of the fund, but the relative value of the fund. Invest when the index fund is undervalued and worth investing. Price always fluctuates around value, sometimes higher than value, sometimes lower than value. If you can invest when the price is lower than the value and sell when the price is higher than the value, you can get a higher return. How high and how low is the price? Here's a little formula:

Profit rate > 10%, adhere to the fixed investment;

10% >； Profit rate > tentative fixed investment, holding purchase share;

profit rate

What is the yield of index funds?

Under different operating strategies, the return rate of index funds will be different. What is the difference in rate of return? If you insist on regular fixed investment, in any case, keep good discipline and insist on fixed investment, the average annualized income is about 12%. If we adopt a smarter fixed investment strategy, that is, use the value investment concept and yield index to make fixed investment, the average annualized income can reach 29%, which is more than double the difference. In other words, through the improved fixed investment strategy,

It must be pointed out here that the calculation of the fund is the long-term average annualized rate of return, which does not mean that you can reach this income level one year after you start to make a fixed investment. When the market situation is not good, the fund will also lose money, but don't worry, stick to the fixed investment. Then you can get more shares at a low price. When the market picks up, it's time for you to harvest.