Fund fixed investment: many a mickle makes a mickle.
The bank's "fixed investment" business is an internationally accepted fund financing method similar to the bank's zero deposit and lump sum withdrawal, and it is a financing method of purchasing a certain fund product at the same time interval and the same amount. The biggest advantage of fixed investment is that it can average the investment cost, because the way of fixed investment is to buy a fixed amount of funds regularly no matter how the market fluctuates. When the net value of the fund rises, the number of stocks bought is small; When the net value of the fund goes down, buy more shares, that is, automatically form an investment method of lightening positions on rallies and overweight on dips.
In the long run, monthly diversification can reduce costs and risks, and make the investment cost close to the average cost invested by most investors. In this case, the long-term compound interest effect of time will be highlighted, which not only ensures the safety of funds, but also makes small money that you usually don't care about become "big money" after long-term accumulation.
For example, investors only invest in the fixed investment business of funds in 300 yuan every month. If the future average rate of return of the invested fund is 5%, after five years of investment, the total amount of funds available to investors will reach 20,427 yuan. Even if the cost reduction factor of deferred investment is not considered, its actual investment return rate will still reach 13%. In addition, the procedures for the fixed investment of the fund are also very convenient. At present, Industrial and Commercial Bank of China, Bank of Communications, China Construction Bank and Minsheng Bank have all started the fixed investment business of funds, and the entry threshold is low. For example, ICBC's fixed investment business requires a minimum monthly investment in 200 yuan.
Now is recognized as a good time for the fund to vote! But the key is how you can help you make money with fixed investment!
My personal opinion is to make a fixed investment portfolio for the fund! It can further spread risks and increase profits!
I recommend Huaxia Return (Hybrid) and Harvest 300 (Index) to you.
In the last year, the overall scale of Huaxia's return was higher than that of similar funds; Dividend style shows the preference of the whole fund for dividends. In terms of risk-return ratio, the investment income of the fund is very high and the investment risk is very small.
In the fund's net asset value, the proportion invested in stock assets. The comprehensive management ability of Huaxia Return Fund Manager is very strong and stable. In the choice of fund investment objects, they prefer to invest in large-cap stocks, which have both growth and value. In terms of the concentration of fund heavyweight stocks, the concentration of the industries to which the stocks belong is average.
Judging from the overall management level of the fund companies to which the fund belongs, the overall income of the funds under the fund management company is slightly greater than the average overall income of other fund companies, the income difference is slightly greater than the average level, and the overall risk level is equal to the average level.
Therefore, it is recommended that you buy and hold the fund for a long time.
Among index funds, Harvest 300 is one of the best! I believe you have read all kinds of analysis about this fund!
The reasons for recommending index funds are as follows:
1, according to the current position of the market, it is impossible to have another sharp decline.
2. China's fund economy has not changed. If you invest in Harvest 300, you can enjoy the rapid growth of profits of large-cap blue-chip listed companies.
3. At present, in the market, the fixed investment index fund must be more than 3 years, so as to ensure the income.
Personally, I think this fixed investment combination is still good.
Good luck with your investment ~ ~