As we all know, it is to buy funds with a fixed amount of money at a fixed time and cycle. The advantage of fixed investment is that it saves time and effort. After setting a fixed investment with one button, there is no need for human intervention if there is no particularly big change. Of course, the advantages of the fund's fixed investment are sometimes disadvantages, such as too much emphasis on discipline and lack of flexibility.

As a result, smart fixed investment has also appeared.

What is a smart fixed investment? What are the strategies for smart fixed investment?

Intelligent fixed investment is to introduce quantitative timing indicators according to different market environments and adjust the fixed investment amount accordingly.

It is best to buy more at low positions and buy less at high positions.

There are four mainstream fixed investment strategies in the market, namely moving average deviation method, valuation method, trend fixed investment method and moving average cost method.

First, the average deviation method.

Moving average deviation method is a technical strategy based on price index.

The average deviation method is to judge the market according to the deviation between the average value and the benchmark index.

First of all, we need to choose the reference average according to the length of investment. The longer the investment time, the longer the time corresponding to the selected moving average.

Choosing a fixed investment fund is suitable for choosing a fund with excellent long-term performance and large fluctuations, and then choosing the index corresponding to the fund.

When you open a position, you set a basic fixed investment quota, which is simply the size of the first fixed investment. According to the deviation between the moving average and the index, the selected fixed investment amount is changed to the percentage of the basic fixed investment amount.

When the index is higher than the moving average, choose to reduce the percentage of the deduction amount, otherwise increase it.

With regard to the degree of deviation between the moving average and the index, we can set several interval levels, for example, the index is higher or lower than the moving average by 0- 15%, 15%-50%, 50%- 100%, 100%, and so on, and we usually set the price ratio.

For example, when the index is lower than the moving average by 26% on a certain day, the corresponding deduction amount is 150% of the basic amount.

Second, the valuation method

Valuation method is a basic strategy based on P/E ratio.

According to historical data, there is a high correlation between market position and price-earnings ratio. Therefore, we can judge whether the current market is overvalued or undervalued according to the price-earnings ratio, so as to buy less when overvalued and buy more when underestimated.

Like the moving average deviation method, we can also set different overvaluation or underestimation intervals, and increase or decrease the deduction amount in different intervals as a percentage of the basic fixed investment amount.

Third, the moving average cost method.

The moving average cost method is to determine the fixed investment amount of each period according to the deviation between the net value of the fund and the average cost of the trading day before deduction. Reduce the fixed investment amount when the net value of the fund is higher than the cost, and increase the fixed investment amount when it is lower than the cost.

Set different deduction amounts according to different deviation intervals. There is a special calculation method of deviation, that is, the net value of the fund MINUS the average cost and then divided by the average cost.

The research shows that when the deviation is 10% and 20%, the fixed investment effect is better. The greater the deviation, the worse the fixed investment effect.

Fourth, the trend has been set.

Generally, three different moving averages will be selected as a reference for the trend of fixed investment. When the short-term moving average is greater than the medium-term moving average and greater than the long-term moving average, it shows that the trend is strengthening at this time, the risk of fund investment will gradually increase, and it is necessary to gradually reduce investment.

When the short-term moving average is less than the medium-term moving average and less than the long-term moving average, it shows that the market trend is weakening and investment can be gradually increased.

I hope the above contents are helpful to you.