Fixed investment of funds is a fund investment method chosen by many investors. It's easy to operate. Long-term fixed investment can share the cost and achieve the purpose of reducing risks. However, the fixed investment effect of some investors' funds is not very satisfactory. Maybe you haven't mastered the skills of fixed investment, so what are the skills of fund fixed investment?

What are the skills of the fund's fixed investment?

1, idle funds used for fixed investment every month.

The financial planner who invested in Morgan Fund said that the purpose of fund investment is to obtain a better life with investment under the premise of ensuring the existing quality of life. Therefore, it is suggested that the basic people first analyze their monthly income and expenditure, calculate the idle funds that can be saved, and then use these funds to make fixed investment in the fund. 300 yuan, 500 yuan or 1000 yuan will do.

2. Two or three blue chip stocks make a fixed investment portfolio.

Analysts said that it is recommended to choose two or three stock funds with top ranking in the medium and long term to build a fixed investment portfolio. Even for different equity funds of the same fund company, it is best to focus on the investment direction. Different industry sectors are ups and downs, and the performance of the fund will also show stage characteristics, and the fixed investment portfolio can play a supplementary role. The analyst said that the effective fixed investment combination method is "core+satellite". When the market rises, you can share the excellent performance of growth funds; When the market fluctuates, the steady performance of core funds can reduce possible losses, which is a combination of offensive and defensive.

3. Fixed investment must adhere to at least one market cycle.

The financial planner who invested in Morgan Fund said that in general, it is best for investors to make a fixed investment with a term greater than or equal to one market cycle. Take the Shanghai Composite Index as an example. Since the establishment of 1990, * * has gone through five obvious cycles. Take 5438+0 in July 2006 as an example. During this period, the Shanghai Composite Index experienced a cycle from falling to rising. During the whole cycle, the Shanghai Composite Index fell by 9.3%. However, if investors continue to deduct the fixed investment every month, the rate of return can still reach 9.8%.

4, dividend reinvestment income is greater.

In the long run, it is more profitable to choose dividend reinvestment than cash dividend. However, many investors will ignore the choice of dividend reinvestment when handling fixed investment. Dividend reinvestment is to convert cash dividends into stocks and reinvest them in funds, so that you can enjoy the growth effect of compound interest. In addition, in order to encourage investors to invest more, fund managers generally stipulate that dividend reinvestment does not charge fees. However, if investors want to invest more after receiving the cash dividend, it will be regarded as a new subscription and they need to pay the subscription fee. Therefore, choosing dividend reinvestment is conducive to reducing the cost of investors.

5. Short-term short market is most suitable for fixed investment.

Generally speaking, as long as the long-term prospects are good, the market in the short-term market is most worthy of starting a fixed investment. However, it is more difficult to enter the market accurately than to catch a falling flying knife in the air. Fixed investment can greatly reduce investors' concerns about the risk of buying timing. Fixed investment to buy at a fixed time every month avoids the high risk of one-time purchase and can effectively dilute the risk. Although there is a risk of short-term losses when the stock market fluctuates greatly, it is the safest investment method for investors who want to hold it for a long time.

6. Volatile funds are more suitable for fixed investment.

Fixed investment is to choose a fund with high volatility or a fund with low volatility. Morgan Stanley analysts said that volatile funds are more suitable for fixed investment, because the same funds can purchase more fund shares at a low level, and once the fund rebounds, the effect will be more obvious. Although the fund with stable performance fluctuates slightly, it also loses the meaning of average cost and its profit is relatively limited. For example, bond funds, although stable and low-risk, cannot accumulate more fund shares in fluctuations if fixed investment is adopted.

7. The "smile curve" constitutes a fixed investment cycle.

Regarding the question of when to end the fixed investment of the fund, Morgan Stanley analysts said that if investors start the fixed investment of the fund when the stock market falls and redeem it when the stock market rises to the so-called "profit satisfaction point", then the profit result of investors will not only be better than the index performance, but also generally higher than the income obtained by starting to invest in the fund when the stock market rises. If the net value of the fund bought every month and the net value finally sold are connected by a curve, the shape is like a person's smile, which produces a "smile curve" of fixed investment.

For those investors who are not strong in investment ability, the fund's fixed investment is the most suitable way, but the skills of the fund's fixed investment should be mastered, otherwise the effect will be greatly reduced. Finally, remind investors that the fund is risky and investment needs to be cautious.

Lesson on Fund Making Money (Fixed Investment-1 1 class) Brother Li

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