How much is the monthly fixed investment?

The proportion of fixed investment varies from person to person. Generally speaking, 12 (income-living expenses) is more appropriate. For example, if the monthly salary is 5,000 yuan and the cost is 3,000 yuan, then there will be 1000 yuan as a fixed investment fund every month. This can leave some room for yourself to operate.

How often is it better to make a fixed investment:

You can do it according to your own habits. Some friends like to make a fixed investment every month, and the big head is directly deducted from the monthly salary, which is convenient. Some friends like to make a fixed investment every week, and feel that the frequency is fast and the funds are scattered. However, some data show that after the investment timeline is lengthened, there is no significant difference in the income of monthly, weekly and daily fixed investment.

When will the money be deducted:

Judging from historical data, it may be better to deduct money between the end of the month (25-28).

The handling fee cannot be ignored:

There are mainly subscription fees and redemption fees, which can be found in the trading rules of specific funds. Among the subscription fees, index funds are generally 1%, and active funds are generally 1.5%. However, many funds have discounted subscription fees, with a minimum of 0. 15%. The proportion of redemption fee varies according to the holding period. The longer the holding time, the lower the rate. If the holding time exceeds a certain length, the handling fee is exempted (some are 2 years, some are 180 days, depending on the specific fund).

It is more appropriate to invest in several funds:

The purpose of fund allocation is "don't put eggs in one basket", generally no more than five, and it depends on the investment target of the fund. The lower the overlap, the better. Don't buy a lot of goods in buy buy, only to find that they are all in the same industry, and there is no risk diversification in essence. If this industry plummets, all your funds will suffer.

Holding period:

Long-term holding! Long-term holding! Long-term holding! Fixed investment needs to last for 3-5 years. Are you ready for a protracted war?

Two ways of making profits from fixed investment of funds:

Target profit-you can set yourself a profit target, such as 20% a year, and cash it when you reach it.

Retreat to take profit-that is, set the proportion of retreat. For example, if you invest in 1 fund for several years, the income will be 40%, and the withdrawal ratio of small investment will be 30%. Once the fund falls to 30%, you sell it first and keep the existing income.