The income of monetary and bond funds is generally relatively stable, and the volatility is relatively small, so the effect gap between fixed investment and one-time investment will not be too big. For fixed investors, when the stock market falls, they can buy at a low price and have a relatively large share. When the market rises, due to the large share, the income naturally rises quickly. Therefore, funds with relatively high long-term returns and large fluctuations are more suitable for fixed investment.
Take the fixed investment of a bond fund as an example. From June 2007, 65438+1 October1,the monthly fixed investment is 100 yuan. After half a year, as of July 1 day, the total amount of gold and income was 65 1.73 yuan. However, if you buy 600 yuan's bond fund at one time on June 5438+1 October 1, the income of July1is 697.62 yuan, which is 45.89 yuan more than the fixed investment, that is, 7.64% more.
Moreover, the actual data shows that the longer the bond fund invests, the more it suffers. If you invest in bond funds with the monthly quota of 500 yuan from February 28th, 2004, as of August 27th, 2007, the principal invested is 6,543.8+0.6 million yuan, and the income is 70,965.438+0.70 yuan, while the corresponding income invested in the same period in 2004 is 6,543.8+0.6 million yuan.