(1) yield = (current market value-principal)/principal × 100%= (current market value-deduction amount per period × number of periods)/deduction amount per period × 100%.
(2) From the expressions (1) and (2), it is not difficult to see that the rate of return is the percentage of the total profit and loss amount to the principal.
The fixed investment of the fund is similar to long-term savings, which can spread the investment cost evenly and reduce the overall risk. It has the function of automatically increasing the price and reducing the price on dips. No matter how the market price changes, it can always get a relatively low average cost. Therefore, regular fixed investment can smooth the peaks and valleys of the fund's net value and eliminate market fluctuations. As long as the selected funds grow as a whole, investors will get relatively average returns without worrying about the timing of entering the market.
Extended data investment principle
Goal setting
You can deduct 3000 or 5000 regularly every month. When the net worth is high, you can buy less stocks, and when the net worth is low, you can buy more stocks, which can spread the entry time. This "average cost method" is most suitable for raising retirement funds or children's education funds.
Do what you can.
Fixed investment must be done easily and without burden. A customer once decided to deduct 50,000 yuan per month to diversify the investment target, but after a period of time, he had to take out the fixed deposit to continue investing, which was too uneconomical. It is suggested that it is best to analyze the monthly income and expenditure and calculate the idle funds that can be fixed, either 3000 yuan or 5000 yuan.
Choose the market
An oversold market with good fundamentals is most suitable for starting regular fixed investment. Even if the market is at a low level, as long as you are optimistic about the long-term development in the future, you can consider starting to invest.
Baidu Encyclopedia-Fund Fixed Investment