First, how to handle the fixed investment of the fund
Choose the right fund.
We need to choose a suitable fund before handling the fixed investment of the fund. The appropriateness here includes the type of fund, historical performance, risk return and so on. Investors can choose by studying the reports of official website, the fund rating agencies and the suggestions of professional investors.
2. Open a fund account
After choosing a good fund, investors need to open a fund account. This can be achieved through banks, securities companies or third-party fund sales platforms. The process of opening a fund account is relatively simple. Generally, you only need to fill in some personal information and provide identification documents.
3. Make a fixed investment plan
After opening a fund account, we need to make a fixed investment plan. This includes the monthly fixed investment amount, fixed investment time and fixed investment cycle. The amount of fixed investment should be set reasonably according to personal financial situation, and it is generally recommended not to exceed 20% of disposable income. The fixed investment time can be fixed for one day every month, and the fixed investment cycle can be selected monthly, quarterly or annually.
4. Sign relevant agreements
After the fixed investment plan is set, investors need to sign relevant agreements. These agreements include fund investment agreement, risk disclosure statement and relevant power of attorney. Before signing, investors should read and understand the terms carefully to ensure that they know the risks and benefits of investment.
5. Start a fixed investment
When everything is ready, investors can start voting. According to the previously set fixed investment plan, at the set time of each fixed investment cycle, the corresponding amount will be automatically transferred from the bank account for the fixed investment of the fund. In the process of fixed investment, investors can check the net value, share, income and other information of the fund at any time.
Second, how to make a fixed investment in closed-end funds
Sometimes, we may need closed-end funds to make fixed investment, whether because of changes in personal financial situation or because of poor fund performance. The following are several ways of fixed investment of closed-end funds:
1. Suspend fixed investment
If it is only temporary, you can choose to suspend the fixed investment. Generally speaking, the application for suspending the fixed investment can be made through the fund sales platform or the customer service hotline of the securities company. During the suspension period, the fixed investment plan will be temporarily suspended, but the funds and fund shares in the account will not be affected.
2. Partial redemption
If you need to recover part of the invested funds, you can choose to make partial redemption. Through the fund sales platform or the online trading system of securities companies, investors can choose to redeem some fund shares and transfer the redeemed funds to bank accounts. It should be noted that partial redemption may generate certain handling fees.
3. Full redemption
If you need to completely withdraw from the fund's fixed investment, you can choose to redeem it all. Similar to partial redemption, through the fund sales platform or online trading system of securities companies, investors can choose to redeem all fund shares and transfer the redeemed funds to bank accounts. It should also be noted that there may be a certain handling fee for full redemption.
When a closed-end fund makes a fixed investment, it needs to pay attention to the following points:
A. Understand the exchange rules
The redemption rules of different fund products may be different, including redemption rate and redemption time. Before redemption, you need to know the redemption rules of the fund carefully to avoid losses caused by unfamiliar rules.
B. Careful decision-making
Before making a fixed investment in closed-end funds, we should make careful decisions, consider our own financial situation and investment objectives, weigh the pros and cons, and consult professionals. If it is only temporary financial difficulties or short-term fund fluctuations, it may not be necessary to close the fixed investment immediately, and you can choose to suspend the fixed investment to deal with it.
C. Pay attention to market dynamics
Whether for the fixed investment of funds or closed-end funds, we should pay close attention to the market dynamics and the performance of funds. Changes in market environment, fund performance and other factors will affect our investment decisions. Keeping up with market trends will enable us to make more wise investment choices.
To sum up, it is necessary to choose a suitable fund, open a fund account, make a fixed investment plan and sign relevant agreements for the fixed investment of funds, while the fixed investment of closed-end funds can be realized by suspending fixed investment, partially redeeming or fully redeeming. When handling fixed investment of closed-end funds, we need to make careful decisions, understand relevant rules and pay close attention to market dynamics. Only in this way can we make better use of the investment tool of fund fixed investment and realize wealth appreciation.