1. Some funds seem to be closed-ended. Should open-end funds be chosen for fixed investment?
The fixed investment of the fund we are talking about generally refers to the fixed investment of the open-end fund. Closed-end funds cannot make fixed investment. It is an on-site fund and needs to be bought and sold through a stock account. Some closed-end funds will be converted into open-end funds when they expire. At this time, if the fund company stipulates that the subscription can be opened to the outside world through fixed investment, it can be fixed investment.
2. What is the appropriate time and frequency of fixed investment? Week, ten-day and month?
This can be determined according to your own amount of funds. If the monthly investment is relatively small, such as 500 yuan, 1000 yuan, you can use the monthly investment; If the amount of fixed investment is relatively large, you can consider weekly investment, especially when the market fluctuates or continues to fall, you can have the opportunity to gain more shares.
If you want to make a long-term fixed investment, there is not much difference between weekly investment and monthly investment, because the longer the fixed investment time, the difference in the yield between weekly investment and monthly investment is not big.
3. The fund should automatically display my accumulated share, average net worth and profit and loss, right?
After you can enter your own fund account, it will display detailed information such as total assets, latest net worth, shareholding, profit and loss.
4. For example, if I want to invest 1000 yuan every month as a small investment, I may not be able to choose. In other words, I put 1 1,000 yuan into one fund and 1 1,000 yuan into several funds. Can the method of investing in multiple funds spread risks?
(1) Choosing to invest in multiple funds may not necessarily spread the risk, but it is necessary to choose different types of funds to achieve the purpose of spreading the risk. Just like you put your eggs in different baskets, but all the baskets are in the same truck. Choosing more than one fund of the same type is not a good way to spread risks.
(2) In addition, it is good to diversify risks, but if there are not many funds available for fixed investment, it is not recommended to invest in multiple funds separately. You can choose a fund to make a fixed investment first.
5. After the fixed investment fund expires, the price is not ideal. What if I want to wait until the price is good?
There is no time limit for the fixed investment of the fund. You can redeem it at any time according to your own wishes. There is no limit.
6. How to choose a good fund? Let the teacher choose some good funds for us.
There is no absolutely good fund, only one that suits you. Because everyone's risk tolerance, investment period, etc. They are all different, and every investor will grow constantly in the process of investment, and the funds he chooses need to be constantly adjusted, so he should choose the right fund according to his own needs. Regarding how to choose a fund, if there is an opportunity in the future, I will share it with you.
7. How do novices choose to invest in a fund? What do you know about the fund?
Hello, novices must be familiar with their risk preferences and income expectations before buying a fund, and then consider what type of fund to buy. Regarding how to choose a fund, if there is an opportunity in the future, I will share it with you.
8. Although the fixed investment of the fund is called lazy financial management, it is fixed every month or for a period of time. I also know that if you make a single fixed investment, you will encounter high and low positions, but it seems impossible to maximize the financial benefits by investing the same amount of money in high and low positions. After all, the value expressed in monetary form is different. There is a saying that if there is a K-line similar to the stock market in the fund, we will decide according to the degree of deviation.
(1) The main function of fixed investment is to evenly spread the investment cost and reduce the overall risk. No matter how the market price changes, the fixed investment fund can smooth the peaks and valleys of the fund's net value to obtain a lower average cost. If the fund chosen by investors grows as a whole, it will get a relatively average income, so there is no need to worry about the timing of entering the market. It can't make investors get the maximum capital gains. If you want to maximize the return on capital, it is recommended not to choose the investment method of fixed investment of the fund.
(2) The price of open-end funds (except ETF and LOF) is unknown when trading, and there is only one net value in a trading day, and there is no K-line chart like the stock market. Funds traded on the floor have K-line charts, such as closed-end funds.