What are fixed investment and fund purchase? You need to consult relevant information to understand. According to years of study experience, it can get twice the result with half the effort to figure out what is a fixed investment and what is a purchase fund. Let's share the related methods and experiences of fixed investment and fund purchase for your reference.

What do you mean by fixed investment and fund purchase?

Fixed investment of funds is a way of fixed investment of funds on a regular basis, which refers to the purchase of designated funds at a fixed time and at a fixed amount. And buying a fund means buying a fund directly, that is, buying a fund at one time.

What is the difference between fund purchase and fixed investment?

There are three differences between fund purchase and fixed investment:

1. Investment time: Fixed investment generally requires investors to insist on long-term investment, while fund purchase does not require long-term holding, but long-term holding can usually reduce the time difference between fund purchase and fixed investment.

2. Risk-return: Fixed investment can often get higher returns, because fixed investment can stabilize costs. However, fund purchase may bring higher risks, especially at the high point of the market, which may lead to higher costs and longer holding period for investors.

3. Capital occupation: the capital occupied by capital is usually small, which is suitable for investors to disperse funds; The fixed investment occupies relatively high funds, which is suitable for investors who have relatively more idle funds and can invest for a long time.

Generally speaking, there are obvious differences between fund purchase and fixed investment in risk return, investment time and capital occupation. Investors can choose their own investment methods according to their risk tolerance, investment period and capital situation.

On-site fund purchase price

The buying price of on-site funds is usually _ _ _ _ of the closing price of the previous trading day. After the opening, its price will fluctuate at 9:30- 1 1:30 and 13:00- 15:00.

The best time to buy a fund

The best time to buy a fund is inconclusive and can be chosen according to market conditions and investors' own needs.

1. The investment style and income risk characteristics of funds are different, so investors can choose the right fund according to their personal situation and needs. For example, index funds are passive investment types, and their performance is relatively stable without fund managers' stock selection operations; Momentum fund pursues the investment concept of "doing more" and its investment style is radical.

2. Investors can also choose to buy funds according to the economic situation and market expectations. For example, during the economic boom, there are relatively many investment opportunities, and it is suitable to buy funds with higher risks/returns at this time; Economic recession, suitable for buying stable funds.

3. Investors can also choose to buy funds according to their risk tolerance and investment objectives. For example, investors can buy target date funds and hold risky assets until the target date comes, so it is suitable for investors with certain risk tolerance.

Generally speaking, there is no best buying opportunity. Investors should choose the right fund and buying opportunity according to their own situation and needs.

Rules for buying and selling funds

The rules for trading funds are as follows:

1. fund transactions follow the principle of "first in first out", that is, the principle of first in first out. Investors who buy and sell funds need to pay attention to the matching of trading units and positions when buying funds. If investors sell the fund first and then buy the fund, they need to ensure that there is no position in the account, otherwise the transaction cannot be completed.

2. Every stock market can trade funds during daily trading hours. For example, the redemption time of open-end funds is 9:30- 15:00 on the stock listing date, which is subject to the regulations of each fund company.

3. Cash sold on the same day can be used to purchase other funds or purchase funds. For example, if you sell a fund today and get the funds in the stock market that day, then you can buy other funds or subscribe for other funds that day.

4. Fund redemption generally takes T+2 days to arrive, and the specific arrival time is subject to the regulations of each fund company.

5. There is a certain relationship between fund net value and investment income. During the opening period, investors can purchase funds for multiple times, and the net value on the day of purchase = the net value on the day of redemption /( 1- redemption fee).

6. Funds can be bought and sold at any time. However, if the investor chooses the back-end charging mode, the redemption amount = redemption date net value × redemption share-redemption fee.

7. Fund redemption generally takes T+2 days to arrive, and the specific arrival time is subject to the regulations of each fund company.

8. Funds are purchased and redeemed by shares, not by amount.

9. After the fund subscription is confirmed successfully, the funds will be returned to the investor's fund account immediately.

10. Fund redemption generally takes T+2 days to arrive, and the specific arrival time is subject to the regulations of each fund company.

1 1. The fund redemption fee varies according to the holding time. Generally speaking, the longer the holding time, the lower the redemption fee, even 0.

What do you mean? The introduction of fixed investment and buying funds is here.