If the amount of fixed investment is relatively large, unexpected expenses will occur in a certain month, and it is difficult to guarantee the continuation of fixed investment. Moreover, if the amount of fixed investment is too large, it will also lead to a rapid decline in the quality of life and a low life happiness index.
If the amount of fixed investment only accounts for a small part of income, the effect of investment will not be obvious, and your investment goal will be difficult to achieve.
Setting the amount of fixed investment in the fund at a reasonable amount will not bring too much impact on your life, but also achieve the ideal investment effect. How should this amount be determined? We can calculate it in several ways.
The first method is determined according to the investment objectives.
We invest for a purpose. It is difficult to achieve your goal by walking with your eyes closed. We can determine how much money we need to invest each month according to our own goals. If you are 40 years old now and you want to retire at the age of 60, you will have 654.38+00,000 in your account. Assuming that the return on investment is 20%, as long as you invest in 400 yuan every month, you will have 654.38+ in your account when you are 60 years old. After determining this problem, we will consider whether this quantity is appropriate, whether it can be more or less.
The second method is to calculate according to idle funds.
The money used for investment must be your own spare money, that is, the money left after removing the necessary expenses of life. There is a formula to calculate your pocket money every month. Then divide by 2 to get the money that can be used to invest in the fund every month. For example, if your monthly income is 1000 yuan and your monthly expenditure is 5000 yuan, then the maximum amount of money you can invest is 2500 yuan. If you are worried about sudden expenses one day, you can set aside some funds for flexible savings, because withdrawing funds from the fixed investment fund will affect the fixed investment plan.
The third method is based on the existing deposit estimation.
Pourtou, a very famous family asset standard (analyzing 500 groups of families with stable growth of family assets in the United States and getting their asset allocation methods), mentioned that we should set aside at least 6 to 12 months of family reserve fund for daily expenses of family life. Even if you encounter an unexpected accident, such as income interruption due to unemployment, it will be enough to cope with it for a while and not put yourself in a dilemma. This part of the funds needs to be withdrawn at any time. According to the deposit estimation method, after sorting out your family assets and leaving enough family reserve funds, you can make investments with peace of mind.
Through the above three methods, we can basically calculate the amount of funds that can be invested every month, and use the funds reasonably, so that idle funds can be allocated reasonably while enjoying life.