First, the fund's fixed investment must also face market risks. The risk of fixed investment of stock funds mainly comes from the ups and downs of the stock market, and the risk of fixed investment of bond funds mainly comes from the fluctuation of the bond market. If there is a sharp drop in the stock market like in 2008, even if the fund decides to invest, it is inevitable that the market value of the account will drop sharply temporarily.
Second, the liquidity risk of investors. Historical data at home and abroad show that the longer the investment cycle, the less likely the loss is. If the fixed investment exceeds 10 years, the probability of loss is close to zero. However, if investors lack planning for their future finance, especially underestimate their future cash demand, once the cash flow is tight during the stock market downturn, they may be forced to interrupt the investment of the fund and suffer losses.
Third, the risk of investors' own operational mistakes. The fixed investment of the fund is aimed at a long-term financial planning, which is a disciplinary investment, not a tool for short-term profit. In practice, many investors who decide to invest in funds do not invest in accordance with the set discipline, but also chase up and down when they decide to invest in funds, especially when the stock market falls, they stop deducting investment, which violates the basic principle of fixed investment of funds and leads to the failure to play the role of fixed investment of funds. For example, in 2008, due to the large losses in the stock market, many fund investors suspended the deduction of fixed investment, which led to the loss of the opportunity to overweight at a low level, and the effect of fixed investment naturally could not be revealed.
Fourth, equate the fixed investment of the fund with the risk of bank savings. Fixed investment is different from fixed deposit and fixed withdrawal, which can not avoid the inherent risks of fund investment and ensure the absolute safety of investors' principal and income, and is not an equivalent financial management method to replace savings. If investors are short-term financial management targets, they should not choose the fixed investment of funds, but should choose safer principal methods such as bank savings. It can be seen that compared with one-time investment, the fixed investment of the fund does not need to choose the buying opportunity, which reduces the investment difficulty of the fund and is beneficial to ordinary small and medium investors. However, in the specific fund investment operation process, investors need to fully understand and grasp the risks of fixed investment, so as to avoid the risks in fund investment and avoid unnecessary losses;
So, how can we avoid risks and reduce losses?
First, the fixed investment must have a good investment mentality. Fixed investment is a compulsory investment activity. If investors choose a fixed investment, they should develop good investment habits, correct investment behavior, maintain a certain degree of patience and perseverance, and achieve sustainable investment. Don't rise and fall with the change of fund net value, but have long-term plans and preparations to deal with the fluctuation of fund net value.
Second, the fixed investment must have goals and plans. Before starting to make fixed investment in fund products, investors should also make goals and plans and make corresponding preparations. In particular, they should prepare enough idle funds, conduct risk tolerance assessment and testing, and set reasonable income expectations. These are all preparatory activities that need to be done before the fixed investment.
Third, fixed investment should not be short-sighted, but should have a long-term investment vision. Especially when using policy changes to make fixed investment, we should pay attention to the long-term impact of policies on the performance of fixed investment products, not limited to the temporary performance of fund net worth, and avoid falling into the strange circle of blindly following the trend of investment. We should not take the approach of catering to the market to disturb and change the normal investment objectives and plans of investors. Fourth, the fixed investment should be persistent, and it is impossible to fish for three days and dry the net for two days. To produce good investment results, we must rely on accumulated investment. The result of temporary fixed investment cannot ultimately determine the success or failure of fixed investment. Therefore, it is very important for investors to overcome the investment mentality of quick success and instant benefit and get rid of the troubles caused by poor performance of temporary fixed investment.
Fifth, follow the cyclical law of fixed investment fund products to avoid frequent conversion or adjustment of fund products. There are four seasons in a year: spring, summer, autumn and winter. The performance of fund products will also be affected by various factors and show a certain periodicity, especially for stock funds affected by the operation cycle of the stock market and bond funds affected by the interest rate fluctuation cycle. However, investors should pay attention to the big cycle and ignore the small trend when adjusting the conversion fund products. We can't blindly and randomly adjust the positions of a class of fund products to adapt to short-term market fluctuations, which will make investors' operations lose more than they gain because of transaction costs and opportunity costs. Generally speaking, the fixed investment of the fund is an investment method, and investment is risky. We should recognize risks and learn how to avoid them. Only in this way can we have considerable gains.
Recommend a few funds suitable for fixed investment, hoping to help you:
1. Huaxia Bonus, a well-known fund company, has a stable performance, ranking second in the last three years with a yield of 2 17%, which is worth long-term investment;
2. Xinhua preferred to grow, a rookie in the fund industry, with a yield of 1 16% this year, ranking first among open-end funds this year;
3. Tian Rui, Guo Fu, has a stable performance, ranking high within two years, and can be charged at the back end, which is suitable for fixed investment, with a minimum fixed investment of 100 yuan;
4. Jiashi 300, an old fund that tracks the Shanghai and Shenzhen 300 Index, has a small error in tracking the index and has excellent long-term performance;
5. Financing Shenzhen Stock Exchange 100, tracking Shenzhen Stock Exchange 100 index, this year's income reaches 107%, which can be collected at the back end, suitable for fixed investment, and the minimum fixed investment is 100 yuan;
6. Yin Hua value optimization, ranking first in the last three years, with excellent long-term performance and promising prospects;
7. Huaxia small and medium-sized board, tracking the index of small and medium-sized board, has achieved good results in the last three years (fixed investment is not allowed, but positions can be purchased and configured with shareholder accounts).
8. Chinese businessmen have grown in prosperity, ranking high in this year's performance and optimistic about the market outlook;
-Mud is stupid. China Wealth Management Network is the first choice for gold speculation. Please add Baidu number -CDBA.