When it comes to the fixed investment of funds, the first thing that many people think of is definitely the long bear market and the increasing losses in fund accounts. You may not know how much money you can earn by fixed investment.
We heard a lot of people talking about fixed investment, and many people began to question fixed investment, thinking that fixed investment is a marketing tool because it makes too little money.
It must be admitted that fixed investment can make money, and the income is really good. So is it realistic to earn ten times in ten years?
First of all, let's understand what the word "fixed investment" means.
Generally speaking, it is to invest in designated funds on a regular basis.
So what kind of people are suitable for fund investment?
1, fixed income
2, less time
3. Lack of professional knowledge
And fixed investment can help us solve these problems.
Fixed investment has three advantages.
Save trouble and effort (at least you don't have to study hard on stocks)
Many a mickle makes a mickle (compound interest is a very exciting thing)
There is no need to choose a time. Get rid of the fate of buying high and selling low leeks, and help us on the amortized cost.
What is the fixed investment in amortized cost?
We bought the fund of 100 yuan in the Agricultural Bank of China for three times, assuming that the net value of the fund in the Agricultural Bank of China for three times was 1, 0.5 and 0.4 yuan respectively. We can know that we bought 100 shares at point A, 200 shares at point B and 250 shares at point C. ..
So, in total, we spent 300 yuan to buy 550 shares, and the price per share was about 0.55 yuan.
On the D day, the net value of the fund rose to 0.6 yuan, although it was lower than the 1 yuan we just started investing. But our current cost is 0.55 yuan. At this time, a * * * invested in 300 yuan, and now it is 0.6*550=330, and our yield is (330-300)/300= 10%.
Theoretical maximum rate of return
The back test data of CSI 500 index is selected. Why choose CSI 500 Index?
CSI 500 Index is the representative of medium-sized companies in China. After all, the GEM index time is too short.
If we can accurately grasp the highest and lowest points of the stock market, we can backtest the returns.
On July 9, 2005, the lowest point of the CSI 500 Index was 692 points. 20 15, 12, the CSI 500 index is at an all-time high of116.
Divide this round of fixed investment into three rounds, namely:
If you invest weekly, the yield can reach 1467%, and the annualized income is 32%. Of course, the one-time investment will be more, reaching 1542%.
This section is not a typical smile curve, but the second half of the smile curve. From the lowest point to the highest point, it is obvious that the income of a bus is higher at this time.
But without exception, one-time investment and fixed investment have been done ten times in ten years, but this is only theoretical, and no one can accurately step on the highest and lowest points.
As wall street said, "it is more difficult to step into the market accurately than to catch a falling flying knife in the air."
Is it realistic to earn ten times in ten years? Reasonable maximum rate of return
Ten-fold fixed investment in the above ten years is only the income we calculate theoretically, provided that we accurately grasp the highest and lowest points of the market.
This theory can't reach the highest rate of return, so we can lower the standard a little.
Suppose we can get a yield of 80% because of timing, rate and other issues, and we can get ten times the income after three rounds of fixed investment.
But if you want to get this kind of income, the probability is not great. After all, such income is rarely achieved in real life.
However, if we insist on fixed investment for a long time and pay attention to adjusting some details, we can appropriately increase the rate of return on fixed investment and realize wealth growth.
Insist on fixed investment
Charles Munger said that if I knew where I would die, I would stay away from that place.
In fact, this is a reverse thinking.
It is no exaggeration to say that fixed investment has long been a popular word, but not many people really make money from fixed investment.
The reason is that there is not much time to really invest in fixed investment; Second, there are some mistakes in the fixed investment, which have been committed, such as stopping the fixed investment, cutting the meat and leaving the market, chasing up and killing down.
When it really entered the market, it was already the end of the bull market and became a harvested leek.
It is not difficult to make money by fixed investment, but it takes a long time to wait patiently, from 2-3 years to 5-7 years or even longer.
If you want to get high returns through fixed investment, it is definitely not a silly fixed investment, but your investment strategy.
Only by investing less when overvalued, investing more when underestimated and accumulating more chips in a bear market can we be safe in a bull market. Of course, the premise is that you have your own evaluation criteria.
For example, if you use the value average strategy, there are standards for how much the grade is different, how much money you invest every month, when to enter and when to leave.
Is it realistic to earn ten times in ten years?
Ten-year fixed investment theory can be achieved, but it is difficult to achieve in the actual operation process.
We don't have to pursue this kind of income persistently, but we can find an investment strategy that suits us, constantly revise it, and constantly gain.