So when the net value of the fund is low, you will buy more fund shares, and when the net value of the fund is high, you will buy less fund shares.
Therefore, there is an advantage. Even if you start a fixed investment at a high market level, with the increase of the number of fixed investment periods, your fixed investment cost will also come down. If the market rebounds in the future, you can make money without waiting for the stock market to rise again.
San Sijun called this fixed investment method "Buddhist fixed investment", so you don't have to worry about anything. You just need to invest money on time.
However, many people find that the benefits of this "fixed investment in Buddhism" are not ideal.
Because ordinary fixed investment does not consider the change of market environment, the change of market environment will have an impact on the income of fixed investment. Therefore, if active management is added to the fund's fixed investment, such as adjusting the amount of fixed investment, the probability of fixed investment income will be higher than that of "Buddha's fixed investment".
So I will share with you the tips of two fixed investment funds.
Before sharing the specific skills of fund investment, San Sijun still wants to emphasize again that fund investment is different from stock operation and needs a market cycle to make a profit. So I hope everyone has a long-term investment mentality to look at these investment skills.
1. target profit method
Why should there be a take profit?
The following picture can tell you the answer:
(Note: The above picture shows the cumulative yield trend of the "sub-fixed investment" CSI 500 Index)
Suppose that Xiaoming started to invest in the CSI 500 Index on June 5438+February 3, 2004, and in the bull markets of 2007 and 20 15, the highest index could reach 302.8 1% and 308.53% respectively. In other words, if you take profits at this time, you can get a cumulative yield of more than 300%.
If the advantages outweigh the disadvantages at this time, by June 2008 10 or May 20 19, the cumulative income of the fixed investment is only 3.08% and 68.92%.
Therefore, in the process of fund fixed investment, we must set up take profit.
Although there are many methods to stop profit by target, there are only two widely used methods, namely, target income stop profit method and valuation stop profit method.
Target income take profit method: this take profit method is to set a target income (such as earning 15%, 20%, etc.). ). If the income from the fixed investment reaches this goal at this time, then no matter what the current stock market situation is, you will sell the fund in batches or in full, ready to start the next round of fixed investment.
Valuation take profit method: this is a method to set a take profit point according to the valuation level, mainly for index funds.
The following figure shows the cumulative yield of CSI 500 Index and the change of P/E ratio of this index in "Fixed Investment Subitem".
Through observation, when the P/E ratio is at a high level (yellow line), if profit is taken at this time, the income generated by fixed investment is relatively high.
2. Low-position multi-cast and high-position low-cast method
Low-position multi-investment and high-position low-investment method is to increase or decrease the fixed investment at a specific time. There are two main methods about this method, namely, estimation method or exponential moving average method.
Valuation method, which is easy to understand, is to buy more in the low valuation range of the index, such as the second half of 2008 and the second half of 20 18. And buy or not buy a small amount in the high valuation range of the index.
Average method, this method is based on the principle of "average deviation" for fixed investment. Simply put, it is to observe the deviation degree of the index from the moving average, and then adjust the fixed investment amount.
For example, if your investment period is 3 to 5 years, then you can observe the deviation between the index and the 250-day moving average (MA250).
For example, you vote for the Shanghai and Shenzhen 300 Index.
(Note: The purple line in the picture is the 250-day moving average)
According to the method just now, if you are at 1 position or 3 position (that is, the index is above the 250-day moving average), then reduce the funds for fixed investment; If you are at No.2 or No.4 at this time (that is, the index is below the 250-day moving average), then you can increase the investment.
By the way, by the way, Sansi's upcoming "Sansi Hui Hui Investment" is such a high position with less investment and low position with more investment. Well, today's tips for the fund's fixed investment are here, hoping to inspire everyone.