Question 2: Hello, what do you mean by fixed investment period and fixed investment date? Simply put, do you vote once a week or once a month, or on the 20th of each month? In addition, as a long-term investment plan, persistence is very important, but appropriate withdrawal is more important. At the same time, we should have a suitable portfolio to spread risks.
Question 3: How many days is the fixed investment period? Some analysts told investors that the longer the fixed investment time, the higher the income. We must persevere and never give up halfway. This is unrealistic propaganda. The stock market cannot grow steadily every year. If there is a big bear market in the deadline of fixed investment, or the market collapses in the process of fixed investment, the income will be greatly reduced or even huge losses will be generated. According to the calculation of the well-known domestic fund research institution-Good Buy Fund Research Center, if an investor started to invest in the "Huaan China 50" index fund in February 2002, the cumulative rate of return by the end of February 2007 was 144.83%, but by the end of February 2008, it had plummeted for one year. From the perspective of foreign markets, if February 28, 2009 is the deadline for fixed investment, the Standard & Poor's 500 Index will make a long-term fixed investment of 10, with a loss of 43%; The yield of fixed investment for 20 years is only 5%, which is far less than that of bank deposits. These conclusive data are enough to fully explain that "the longer the investment, the better" is purely misleading! Wang Qunhang, a senior analyst at Galaxy Securities, pointed out that "the long-term fixed investment of funds is relative, and there is no absolute rigid fixed investment of funds." He also pointed out that at present, almost all fund companies recommend to all investors, and all funds can make fixed investment at any occasion and at any time, which is debatable. This gives us profound enlightenment to avoid misleading. The fixed investment period depends on market conditions. If the market outlook will enter the downward channel, the fixed investment that has been handled should avoid risks and be redeemed or converted in whole or in part to make the income safe or avoid expanding losses. For example, the original plan was to invest for five years. After three years of deduction, the stock market has reached the top of the stage. If you are about to turn into a bear market, you should resolutely redeem it, take profits and avoid loss of income. During the fixed investment period, the stock market reaches the expected index and the income reaches the expected target, so it is necessary to consider adjusting the strategy, redemption or conversion. It should be noted that only the super-average cost can make a profit when redeeming. The profit and loss point of the fund's fixed investment is not the arithmetic average of the net value of each fixed investment, but should be estimated by dividing the total fixed investment by the total share actually purchased. Only when the net value of the redeemed fund exceeds this profit and loss point can it be profitable. According to the regulations, even if all the fund shares of fixed investment are redeemed, the fixed investment agreement has not been terminated. As long as there is enough balance on the bank card, it will still be deducted regularly. And don't think that all redemptions are the cancellation of fixed investment!
Question 4: What is the best time for the fund to make a fixed investment? It is best to take an economic boom cycle when making a fixed investment, that is, the bull-bear stock market is converted into profit. This is my personal opinion. As we all know, the economy and the stock market run in cycles. It is best to dilute the cost of long-term investment in the stock market bear market, redeem it after the bull market gains considerable income, and then continue to wait for the next bear market to continue investing. I believe that the best results can be achieved. Don't trust the long-term holding of fund companies. They just brag about where you put your money for a long time for their management fees.
Question 5: How long is it appropriate for the fund to make a fixed investment? Generally speaking, the investment methods of funds can be divided into two types, namely, single investment and fixed-term investment. The fixed investment of the fund is to invest in the same open-end fund with a fixed amount at regular intervals (one or two months). Its biggest advantages are average investment cost and avoiding timing risk. In addition, many a mickle makes a mickle, so as to cultivate investors' habit of saving. But how to choose the investment cycle of the fund? Some financial planners pointed out that the ideal investment cycle of the fund's fixed investment is more than 5 years. If you can persist, your wealth may be abundant. Some financial planners believe that the fund should pay attention to the choice of time interval, at least five years, and experience a complete economic cycle. Because the bull market may last for two or three years, so does the bear market. If you invest for more than five years, you won't miss the bull market or suffer heavy losses in the bear market. At present, the China stock market fluctuates greatly, so it will be difficult for ordinary investors to choose the right products to invest at the right time. But if you choose an investment fund, you don't have to worry about the timing of entry. Because no matter whether the net value of the fund is up or down, because the investment amount is fixed, for a long time, although it is possible to miss the opportunity to buy at the lowest point, it is also possible to avoid the mistake of buying at the highest point. In this way, the subscription cost of the fund can be shared equally, the investment risk can be dispersed, and the risk of stock market skyrocketing or plunging can be effectively avoided. For example, in a certain time interval, funds bought at high prices and bought at low prices in the past are making money; When bargain hunting is adopted, you can buy more shares with the same fixed investment, which will bring benefits to investors with the increase of net worth. Generally speaking, the threshold of fixed investment of the fund is very low, and you can participate in it for several hundred yuan every month. In addition, the program is relatively simple. As long as you sign the term business at one time, you can enjoy the procedural continuation of subscription, saving the trouble of multiple subscriptions. However, there are also some shortcomings in the fund's fixed investment, which investors need to pay attention to when considering. It usually takes a long time for the fund to make a fixed investment to see the effect. But it is precisely because of such a long time that investors have lost confidence in the market after several years of bear market, which will affect their returns. The fixed investment of the fund must go through a complete economic cycle in order to achieve the purpose of diversifying investment risks. At the same time, the characteristics of the fund's fixed investment determine that the income of the fund's fixed investment can only be the average income of a market, and it is difficult to obtain excess income. An industry insider said that the essence of the fund's fixed investment is to cut the peak and fill the valley, that is, to make up for the loss with profit, but on the other hand, to smooth out the previous income with loss. Therefore, investors should flexibly choose the products and timing of the fund's fixed investment. In addition, people in the industry generally believe that partial stock funds are suitable for fixed investment, and the long-term income of factor stock funds is relatively high.
Question 6: The fund will make fixed investment on a monthly basis. Is the period 1 month or 12 months? A month, of course. 12 months is too long.
Question 7: The fixed investment time of the fund can be changed every month. How to choose the fixed investment time? The net value of the fund displayed on the webpage is yesterday's net value. The net value of the fund you bought today will not be displayed until tomorrow. In addition, you have to buy funds on weekdays. If you buy it at other times, you may not be able to buy it one working day after the appointment! Don't worry, the fund will not be manipulated by people.
Also, you bought a fixed investment. You only need to buy it once a month. Don't worry too much about the specific day. Fixed investment is long-term. Wait for time to buy like you, or just speculate in gold.
Fixed investment. As the name implies, it is long-term automatic purchase. If shared equally, the risk will not be too great. Don't always pay attention.
Question 8: How long is the fixed investment frequency of equity funds appropriate? Fixed investment time is more than two years, whether it is a week or two weeks or a month, the actual effect is similar to that of fixed investment every month, because the average price will be smooth with the extension of time.
But in the short term, it's hard to say, who is good and who is bad is the embodiment of luck, and the strength of your ability to choose funds.
Question 9: How often does the fund invest 1? The fixed investment of the fund can be purchased according to the length of time you want to invest:
If the long-term financial management goal is more than 5 years to 10 or 20 years, you may wish to choose a fund with large fluctuations, while if it is within 5 years, it is best to choose a fund with stable performance.
2. The time compound interest effect of regular long-term investment disperses the short-term risk of long-term stock market and fund net value fluctuation. As long as the principle of long-term deduction can be observed, funds with large fluctuations can actually improve their returns, and funds with high risks should have better long-term returns than funds with low risks.
3. Fixed investment is the abbreviation of fixed-term investment fund, which means that a fixed amount (such as 500 yuan) is invested in a designated open-end fund at a fixed time (such as the 8th of each month), which is similar to the bank's deposit and withdrawal method. People usually refer to funds mainly as securities investment funds.