Regular investment has the advantage of weighted average investment cost, which can effectively reduce the overall investment cost, reduce the risk of price fluctuation, and then improve the chance of profit. So today, Bian Xiao is here to sort out the relevant knowledge of the fund's fixed investment. Let's have a look!
What are the risks of the fund's fixed investment
First, the fund's fixed investment must also face market risks.
The risk of fixed investment of stock funds mainly comes from the ups and downs of the stock market, and the risk of fixed investment of bond funds mainly comes from the fluctuation of the bond market. If there is a sharp decline in the stock market as in 2008, even if the fund decides to invest, it is inevitable that the market value of the account will drop sharply temporarily. For example, from June 5438+ 10, 2008, the Shanghai Stock Exchange Index was invested by fixed fund investment, during which the maximum loss of the account was -42.82%, and it was not until May 2009 that the account basically recovered its funds.
Second, the liquidity risk of investors.
Historical data at home and abroad show that the longer the investment cycle, the less likely the loss is. If the fixed investment exceeds 10 years, the probability of loss is close to zero. However, if investors lack financial planning for the future, especially underestimate the future cash demand, once the cash flow is tight during the stock market downturn, they may be forced to interrupt the investment of the fund and suffer losses.
Third, the risk of investors' operational mistakes.
The fixed investment of the fund is aimed at a long-term financial planning, which is a disciplinary investment, not a tool for short-term profit. In practice, many investors who decide to invest in funds do not invest in accordance with the set discipline, but also chase up and down when they decide to invest in funds, especially when the stock market falls, they stop deducting investment, which violates the basic principle of fixed investment of funds and leads to the failure to play the role of fixed investment of funds. For example, in 2008, due to the large losses in the stock market, many fund investors suspended the deduction of fixed investment, which led to the loss of the opportunity to overweight at a low level, and the effect of fixed investment naturally could not be revealed.
Fourth, equate the fixed investment of the fund with the risk of bank savings.
Fixed investment is different from fixed deposit and fixed withdrawal, which can not avoid the inherent risks of fund investment, ensure the absolute safety of investors' principal and expected annualized income, and is not an equivalent financial management method to replace savings. If the investor's financial management goal is short-term, it is not appropriate to choose the fixed investment of the fund, but to choose a safer principal method such as bank savings.
To sum up, compared with one-time investment, the fund does not need to choose the buying opportunity, which reduces the investment difficulty of the fund and is beneficial to ordinary small and medium investors. However, in the specific fund investment operation process, investors need to fully understand and grasp the risks of fixed investment, so as to avoid the risks in fund investment and avoid unnecessary losses.
What will happen if the fund continues to fall?
If the fund continues to fall, it may suffer heavy losses. Therefore, it is necessary to have a snack when the fund is falling. After all, it's your own money. It's not easy to make money. When buying a fund, you should basically pay attention to it every day, instead of reading it several times a day, just like reading stocks.
If the fund always falls more and rises less, on the whole, it has been falling, and the fund cannot be allowed to keep falling. It is necessary to set a stop loss point, stop loss in time, and enter the market when the fund market is better. Don't be reluctant to give up, you will get something. Some people just lost their minds and kept adding positions to make it return to its original position quickly, resulting in irreparable losses.
What should I consider when buying a fund?
What types of funds can be divided into?
1, depending on the investment object.
It can be divided into money funds, bond funds, hybrid funds, index funds, stock funds and special funds.
2, according to the different feeding methods.
Can be divided into Public Offering of Fund and private equity funds. Public offering of funds means that fund companies can publicly raise and publicize; Private equity funds cannot be publicized.
3, according to the different ways of establishment
Can be divided into open-end funds and closed-end funds. Open-end funds are funds that can be purchased and redeemed at any time, so the share of open-end funds is changing; Closed-end fund means that the share is not fixed and cannot be purchased and redeemed during the closed period.
4, according to the different trading places.
It can be divided into on-site funds and off-site funds. On-site funds are funds listed on the exchange, and generally have independent quotes to look at; OTC funds refer to funds traded outside the exchange, such as funds purchased through Alipay and WeChat.
What is the leading stock:
Leading stock refers to the shares of listed companies that are in a leading position in a certain industry or market, with large market value and strong competitiveness. These companies usually have high market share, brand influence and profitability in their industries.
Investors usually regard leading stocks as relatively stable investment targets with potential growth space. Because of their large market value, these companies have strong competitiveness and resource advantages in the industry and can better cope with market fluctuations and industry changes.
However, there are risks in investing in leading stocks, such as intensified industry competition, policy changes and management risks. Therefore, investors need to conduct sufficient research and analysis when choosing leading stocks, and make decisions according to their investment objectives and risk tolerance.
Will the fund lose money again after returning to its capital?
There are many reasons that affect the change of fund net value, some of which can be predicted simply according to the historical track, and some of which happen suddenly and cannot be prevented. Therefore, it is impossible to accurately judge the subsequent trend of the fund. The fund is risky, so there is the possibility of another loss in the market outlook.
Investors should not take chances when investing. Investment is a game with its own desires. If investors choose to continue holding funds, they must be able to bear the profits and losses. If investors choose to sell the fund, don't regret the subsequent results. They should learn from their investment experience and put their energy into new investments.