Nowadays, more and more people buy funds, and the expected return of fund investment mainly depends on the rise and fall of fund net value. Because the net value of equity funds fluctuates greatly, many investors will choose the way of fixed investment to balance the fluctuation. Today, Bian Xiao has compiled some fund-related knowledge for everyone. Let's have a look!
Fund fixed investment knowledge
Fixed investment is the abbreviation of fixed-term investment fund, which refers to investing in a designated open-end fund at a fixed time and amount, similar to the bank's zero deposit and withdrawal method. People usually refer to funds mainly as securities investment funds. The fixed investment of the fund has these advantages: simple procedures, time-saving and labor-saving, regular investment, regardless of time, average investment, compound interest effect, convenient and fast procedures and so on.
Most fund sales platforms provide the function of fixed investment. After the user sets the fixed investment period, time and amount in advance, the system will automatically deduct the money when it expires. As the net value of the fund is updated daily, the fund shares bought by 500 yuan in each fixed investment period are not the same, so it is impossible to accurately predict the actual expected income of 500 yuan after three years of fixed investment. For example, a stock fund will make a fixed investment, with a monthly fixed investment amount of 500 yuan and a three-year fixed investment principal of 18000 yuan. According to the expected annualized expected rate of return of 20%, the expected expected return after three years of fixed investment is about 5000 yuan.
What kind of fund is good for fixed investment?
When choosing a fund to make a fixed investment, it is generally recommended to choose a fund with relatively large fund fluctuations and high risks to make a fixed investment. Such as index funds, stock funds and hybrid funds. Because the fluctuations of these funds are relatively large, the decline of funds in the bear market is relatively deep, and the fixed investment of funds can reduce the buying cost. When the bull market comes, the net value can rise sharply by virtue of the advantage of high positions, which can provide higher returns.
In addition, when the fund fluctuates greatly, it may generate floating income. The greater the fluctuation, the greater the profit and loss, and the fixed investment of the fund belongs to batch admission, which can achieve the effect of cost sharing. The famous smile curve means taking advantage of fund fluctuations to earn income.
When the market falls, through the fixed investment of the fund, we will continue to accumulate low-cost chips. When the market goes up, there is a chance to get better returns. The fixed investment of the fund is generally based on the long-term investment income of the fund.
However, it should also be noted that although the essence of the fund's fixed investment is to share risks equally, all funds are risky, and the same is true of the fund's fixed investment, which is also risky. Therefore, when you make a fixed investment in the fund, you should also pay attention to risks and proceed from your own risk tolerance. If the fund's loss is out of range, it is necessary to consider timely stop loss.
Is bank fund suitable for fixed investment?
There are also different types of funds in banks, which can be generally divided into: money funds, bond funds, index funds, stock funds, mixed funds, open-end funds, closed-end funds and so on. Generally speaking, funds with relatively high risks and large capital fluctuations are more suitable for fixed investment.
When choosing bank funds, we can consider choosing high-risk fund types, such as index funds, stock funds and hybrid funds. General fund details will indicate the type of fund, because this kind of fund has high risk and large fund fluctuation, which is more suitable for fixed investment to average the share.
Whether the bank's fixed investment fund is good or not depends on the situation. If you choose a good fund to hold in the bank for a long time, you will be more likely to make money, while if you choose a bad fund to hold for a long time, you will lose more and more.
When buying funds in banks, we should pay attention to the historical performance of past funds and refer to the situation in recent years. Although the past performance does not represent the future, it will still have certain reference significance. Secondly, we should choose a good fund manager, and try to choose someone who has worked for more than four years and is more experienced than the new fund manager. Secondly, it depends on how the fund manager manages the return rate of past funds, comprehensively selects good funds and holds them for a long time.