A: The normative definition of fixed-term investment is that an investor applies through a designated fund sales organization, and agrees in advance on the deduction date, deduction amount, deduction method and the name of the invested fund, and the sales organization automatically completes the deduction and subscription in the bank account designated by the investor on the agreed deduction date.
Similar to the "zero deposit and lump sum withdrawal" in the bank, for example, it is a typical fixed investment method to purchase the 300 yuan-Tian Hong CSI 300 Index C Fund every Thursday. The advantage of this is that it can level the investment cost and avoid the risk of investment timing.
Q: How long is the fixed investment cycle?
A: Why are lazy people's preferred financial management methods highly regarded? Throughout our A-share market, it has always been a long bull and a short bear. How can I put it? In the long run, the bottom oscillation of the K line will explode and grow in a certain period of time, as shown in the following figure:
Dry goods sharing: what is a fixed investment? How to choose a fixed investment fund? How much is each investment?
Dry goods sharing: what is a fixed investment? How to choose a fixed investment fund? How much is each investment?
Then this provides an excellent investment opportunity for our investors. We buy and collect chips at a relatively low level, and it is completely feasible to hold the explosion point for a certain period of time, that is, about three years. In other words, if you are patient and willing to persist, A shares will provide you with an excellent investment environment!
Q: How to choose a fixed investment fund?
A: How to choose a base has become a difficult problem for many investors. Fixed investment does not require high fund types. Because of the constant cost allocation, the influence of buying point and fluctuation range is greatly reduced. But the fixed investment of different funds is different after all. It is suggested that it is better to vote for a broad-based index fund.
Reason: It is highly volatile. When the net value of the fund falls, we will continue to make fixed investment, and we can buy more cheap chips to provide more space for the rise of the market outlook.
How to choose the base? The evaluation index is the fund company and historical performance. What we want is long-term income. The background must be excellent and the record should be good!
1. First, find out the top 100 earnings in recent three years as follows (too many are only in the top 50):
2. Then compare 1 income ranking and select the top 50.
3. Compare the income rankings of the past six months and pick out the top 25.
Ok, then our fixed investment targets will be generated from these 25, and it is best to refer to fund companies and managers for screening and distinguishing.
Q: How much is the fixed investment each time?
A: Because everyone's income is different, here is a more general formula:
Dry goods sharing: what is a fixed investment? How to choose a fixed investment fund? How much is each investment?
For example, if the monthly income is 10000 and the expenditure is 5000, then you can make a fixed investment with 2500.
Q: When is the best time to start a fixed investment?
Answer: "You can enter at any time, the sooner the better". How to understand it? Because of the long-term nature of fixed investment, what we must do is to accumulate chips, and the economy is cyclical. Buying at a high point will walk out of a relatively complete smile curve, buying at a low point is midway, and buying at the middle part is somewhere in between. Our ultimate goal is to achieve revenue and sales. Therefore, as long as you are a friend of time in the current stock market, you will get an ideal return sooner or later, but the process may be more painful ~
Summary of this lesson: Through the study of this lesson, we know what fixed investment is, and the choice of fixed investment period, fixed investment amount and start time. I hope that through the study of this lesson, I can help the majority of office workers understand and master some basic knowledge of fund fixed investment, and help you start your fixed investment plan as soon as possible! If you find it useful, please like it, pay attention and forward a wave. Your support is really the biggest motivation for me to continue to share!