Fixed investment fund is a steady long-term investment strategy, so can fixed investment fund really make money? Does it make sense to make a fixed monthly investment of 100 yuan? Next, Bian Xiao has prepared some related contents for you, such as whether the fixed investment fund can really make money, for your reference. I hope it will help everyone!

Do novice funds really make money?

Novice funds can make money through fixed investment, and the analysis is as follows:

If the net value of a fund is 1 .5 in 1 month, 1.2 in February, 1 in March, 1.2 in April and 1.5 in May, then if investors decide to invest.

Then five months later, the investor * * * holds 4,000 fund shares, and the position amount is 4,000 times 1.5, which is equal to 6,000 yuan, with a yield of 20%. On the contrary, investors buy in a lump sum in 1 month, so the net value of the fund will remain unchanged until May, which means that investors have not gained any income.

From the above example, we can know that the advantage of the fixed investment of the fund is that the same money can buy more fund shares when the net value of the fund falls, thus reducing the cost of investors' positions. Once the fund's net value rises and presents a smile curve, it can quickly turn losses into profits.

What should I pay attention to?

1 investors should choose high-quality funds for fixed investment. For example, index funds are more likely to rise in the long run because they reflect the situation of the stock market.

2 insist on fixed investment. The most taboo of the fund's fixed investment is that it cannot last for a long time. If investors are anxious when they see the loss and want to redeem it quickly to reduce the loss, naturally they can't wait until the net value of the fund rises later to make a profit.

Fund fixed investment skills:

(1) Long-term investment needs to take profit, and take profit in time. If you reach the expected rate of return, you must leave decisively.

(2) Insist on fixed investment for a period of time, and see that there is no income, but also continue to lose money. At this time, don't back down, stick to it. The biggest advantage of fixed investment is that through repeated fixed investment, the fund's holdings can be expanded, costs can be reduced, risks can be balanced, and gains can be made over time.

(3) Never stop the fixed investment. In the unilateral decline, you can make a small amount of fixed investment and wait for the market to stabilize, then make a normal fixed investment or add positions, or even pay the bill.

Can a fixed investment fund really make money?

Fixed investment funds can make money, and fixed investment funds can spread risks and realize asset appreciation by purchasing fund shares regularly. Choosing funds correctly and implementing regular investment plans can bring considerable benefits. The following are some advantages of fixed investment funds:

1. Long-term returns: Fixed investment funds focus on long-term holding, which can reduce the impact of market fluctuations on investors' psychology and portfolio, thus obtaining more stable returns.

2. Diversified investment: Fixed investment funds can disperse funds in different funds, thus reducing risks and losses. Especially when choosing different types of funds, such as stock, bond and money market, it can achieve the purpose of diversifying risks.

3. Flexibility: Since there is no minimum investment limit for a fixed investment fund, anyone can make a fixed investment according to their own financial situation and investment needs.

Does it make sense to make a fixed monthly investment of 100 yuan?

Although the monthly fixed investment of 100 yuan seems to be small, it is also very meaningful. The monthly fixed investment of 100 yuan is not large, but it is a good way for beginners to get started in financial management:

1, robustness

Since the monthly fixed investment is equivalent to diversifying risks, it can better resist market fluctuations. This strategy is very suitable for newcomers in the stock market and can avoid investment mistakes caused by excessive risk.

2. Increase positions

The monthly fixed investment is 100 yuan, which can gradually increase the position and share the buying cost. Even when the market trend is unfavorable, it can continue to buy and eventually form a large-scale position.

3. Long-term benefits

Holding funds for a long time is one of the important ways to obtain higher returns. As time goes by, fund managers can get higher returns by rebalancing their portfolios and adjusting the proportion of positions. Therefore, a fixed monthly investment of 100 yuan can help investors accumulate wealth steadily and gain considerable income in the future.

4. Automatic operation

The monthly fixed investment fund can realize automatic operation. Automatic deduction or automatic purchase can be set, which eliminates complicated operation flow and investment decision. This can also save time and energy and make it easier to manage your portfolio.

Blow-up fund fixed investment

Fund sales organizations and fund companies especially advocate fixed investment. There are also a large number of large funds, and various advocacy funds are scheduled to vote. From the beginning, they talked about how to make a good investment, how to make money at 100%, how to make a steady profit without losing money, how to easily make one investment a year and so on. It seems that as long as there is no brain to vote, you can be financially free in minutes.

The process of their argument is basically to find the historical performance of a certain fund and simulate the fixed investment in a certain period of time in the past. Thereby achieving a profit or annualized income of more than 65,438+05%. The conclusion is that fixed investment is omnipotent.

Some people even put forward a "smile curve", on which you can make a profit if you fall.

Goose, is the fixed investment really so magical?

Shu Yun doesn't think so.

Long-term adherence to fixed investment can really make money. However, it should be noted that long-term fixed investment makes money because of long-term investment, not fixed investment itself.

According to the data of fund industry association, in the past 15 years, the average annualized income of stock funds reached 14%, which lagged behind China's economic development.

Goose, what if the fund doesn't make money? For example, funds that invest in the Greek stock market.

The Greek stock market fell by 85% after the bubble burst in 2008 and remained at a low level for several years. If you decide to invest in the Greek stock market after 2008, even if you dilute the cost, it is difficult to make a profit.

Yunshu believes that fixed investment is an investment strategy, investment method or investment tool, and it can't bring extra income by itself. On the contrary, because the fixed investment disperses the buying points, the yield is much lower than that of a single purchase. For example, the annualization of a single purchase can reach 30%, and it can be reduced to 15% through fixed investment.

Advantages of fixed investment

Of course, fixed investment is still an investment method recognized by yunshu. The reason is that fixed investment has the following advantages over one-time purchase:

1. Stability risks and losses

In fact, one-time buying is the way to achieve the highest rate of return, but the risk is also the greatest, because the cost and price are only determined by the price of a buying point and a selling point. In case of buying at a high point, once there is a slight correction, investors will be unable to hold back and collapse. If they can't persist, they will cut their meat and their income will be greatly reduced.

However, if you diversify your buying points through fixed investment, you may buy at short-term highs or short-term lows. In case of buying at a high point, you can reduce the cost by buying again. It seems that the loss is not so serious and it is not easy to be cut down.

This idea of fixed investment is often used in various scenarios, such as buying stocks. I wonder if this point is a good place to buy. It doesn't matter. It can be purchased in batches to stabilize the purchase cost and reduce the purchase risk. The reason is the same.

2. Reduce people's subjectivity

The hardest thing about investing is human nature. All the good lows (buying points) were smashed by panic, but how many people dared to buy them when they appeared?

Yunshu himself has a deep understanding of this. After all, short-term trends are too difficult to judge. It takes time and energy to stare at the market and judge short-term buying points. It is also painful to endure the pain of not buying down or chasing up. Even if you get a good price, it is hard money and very tired.

Why not vote directly instead of worrying about this and that every day, saving time and effort.

3, improve the efficiency of funds

Because the source of investment funds may not be in place at one time, such as monthly salary, the monthly fixed investment can just match, and you can buy it if you have money, so you don't need to lie down to improve the efficiency of funds.

Recently, the market has also stabilized, but it is difficult to rise in the short term, but now is a good time to start the buy buy fixed investment.