Intelligent fixed investment mainly revolves around the word "quota", and there are many modes, among which the most widely used is to determine the current fixed investment amount according to the relationship between the indicators of the deduction date and the actual benchmark.
Although there are differences in comparison methods and benchmarks used by different households, these modes of intelligent fixed investment can generally be understood as "fixed investment by point", with the goal of increasing the deduction amount when the index is low; The index rises and the deduction decreases.
The principle of "fixed investment by point" is "moving average deviation method" The essence of this method is that investors pre-select an index as a reference index, such as Shanghai Composite Index, Shanghai 180, Shenzhen Component Index and Shanghai-Shenzhen 300, and then set a benchmark moving average, such as 90-day, 120, 250-day moving average and so on. In this method, the index of the day before the deduction date is compared with the selected moving average of the index to determine the deduction range.
Take the fixed investment brand "Win Fixed Investment" under Guangfa Fund Company as an example, which is characterized by introducing technical analysis methods, judging the strength of the market at a fixed time according to the deviation between the benchmark index and the moving average, and adjusting the amount of each purchase, so as to buy more at a relatively low level and buy less at a relatively high level.
In practice, investors can take four steps:
The first step is to choose a fund. It is suggested to choose stock funds with excellent long-term performance and great volatility, such as index funds and stock funds;
The second step is to select the index. For example, the target indicators that can be selected for "winning a fixed investment" include the Shanghai Stock Exchange Index, the Shenzhen Stock Exchange Index, the Shanghai and Shenzhen 300, the small and medium-sized 300, and the CSI 500. Investors can choose the index according to their own preferences and judgments.
The third step is to select the moving average. The method of "winning fixed investment" is to determine the deduction amount of each fixed investment according to the deviation between the index and the moving average. Therefore, investors need to choose the corresponding moving average according to the length of the target investment period, and the size of the moving average corresponds to the short, medium and long investment period. For investors with fixed investment time within two years, it is suggested to choose the 180-day moving average to gain more investment opportunities. Medium-term investors with a fixed investment period of 3-5 years can choose the 250-day moving average to increase investment stability. Long-term investors with more than 5 years can choose the 500-day moving average to get higher long-term returns.
The fourth step is to select the grade difference. Grade difference refers to the investment proportion of "winning fixed investment" that is increased or decreased on the basis of the fixed investment benchmark amount. The grade difference that investors can choose includes 10%, 20% and 30%. If it is a conservative customer, it is recommended to choose the grade difference of 10%, and the deduction range is 0.6 times-1.6 times of the benchmark amount; Steady customers suggest to choose 20%, and the deduction range is 0.2-2.2 times; Aggressive customers suggest to choose 30%, and the deduction range is 100 yuan ~2.8 times.
Can this logically smarter intelligent fixed investment outperform ordinary fixed investment? Let big data tell us the answer.
Taking the industry leader A(270025) of Guangfa as an example, we calculate the data for five years: from 20 1 1 to 20 15 65438+2 months, and make a fixed investment at the end of each month, with the basic fixed investment amount of 1000 yuan and the 250-day moving average. When the average deviation is 20%, 30% and 40%, the fixed investment will increase or decrease in 400 yuan, 600 yuan and 800 yuan respectively.
Judging from the cost of fixed investment, the average monthly fixed investment is 1000 yuan, and the total investment in five years is 60,000 yuan; Smart fixed investment is slightly increased or decreased according to the moving average. The investment decreased at a high level and increased at a low level, with a total investment of 510.04 million yuan. By the end of 20 15 and 12, the cumulative present value of ordinary fixed investment is 13956 1 yuan, and the cumulative present value of intelligent fixed investment is 13 1957 yuan. Because the cost of fixed investment is different, it is necessary to compare the yield of fixed investment.
The calculated data show that during the five-year period from 20 1 1 to 20 15, the cumulative yield of ordinary fixed investment accounts is 132.60%, and that of intelligent fixed investment accounts is 156.72%. It can be seen that the five-year cumulative yield of smart fixed investment is higher. Judging from the winning rate, the cumulative yield of smart fixed investment is always higher than that of ordinary fixed investment, and the winning rate reaches 100%, which proves to some extent that the yield of smart fixed investment is higher than that of ordinary fixed investment in the long run.
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