There is no fund in the world that can guarantee no loss. For example, 070809 has been invested for three years, and now it must be a loss.
superiority
Save time and effort, worry and trouble
After handling the fixed investment of the fund, the institution will automatically withhold the corresponding fund subscription funds on each fixed day. Investors only need to ensure that there are enough funds in the bank card, which saves time and energy to go to banks or other institutions.
Invest regularly, every little makes a mickle.
Investors may have some idle funds from time to time. By regularly planning to buy the target and increasing the investment value, they can "gather sand into mountains" and unconsciously accumulate a lot of wealth.
Regardless of investment time.
The key to investment is "buy low and sell high", but few people make a profit by grasping the best trading point when investing. In order to avoid this artificial subjective judgment error, investors can invest in the market through the "fixed investment plan", regardless of the market entry time, market price and long-term investment decision on its short-term fluctuation.
Average investment, spread risk
The capital is invested in stages, with high and low input costs and relatively low long-term average, which maximizes the diversification of investment risks.
The compound interest effect is considerable for a long time.
The income of the "fixed investment plan" is the compound interest effect, and the interest generated by the principal is added to the principal to continue to derive income. Through the effect of rolling interest calculation, the compound interest effect is more obvious with the passage of time. It takes a long time for the compound interest effect of fixed investment to be fully displayed, and it is not appropriate to terminate it casually because of short-term market fluctuations. As long as the long-term prospects are good, the short-term decline in the market is an opportunity to accumulate more cheap units. Once the market rebounds, long-term accumulated units can make a one-time profit.
It is convenient and quick to go through the formalities.
At present, Industrial and Commercial Bank of China, Bank of Communications, Bank of China, China Construction Bank, Postal Bank, Agricultural Bank, and Minsheng Bank have started the fixed investment business of funds. It is worth mentioning that the entry threshold for the fund's fixed investment is low, such as the fixed investment business of ICBC, and the minimum monthly 200 yuan investment can be used for the fund's fixed investment; The minimum subscription amount for the fixed investment business of China Agricultural Bank is only 100 yuan per month. Investors can conduct all transactions such as fund subscription and redemption online, realize the binding of fund account and bank fund account, and set subscription date, amount, term and fund code. Used for regular fixed investment of the fund. At the same time, online banking also has many functions, such as fund account inquiry, fund account balance inquiry, net value inquiry, and changing dividend distribution method, so investors can easily complete their investment.