1. Daily fixed investment: Investors who choose daily fixed investment usually sell the fund for the purpose of SMS investment when the fund trend falls. But for most investors, the fixed investment of the fund has always been aimed at medium and long-term investment. Daily fixed investment is not only cumbersome to operate, but also easily affected by the fund's ups and downs, which leads to heavy buying when the fund rises, and it cannot be fixed when it falls, losing the true meaning of fixed investment.
2. Fixed investment every week: The frequency of fixed investment every week is actually relatively large, but some investors think that every Thursday is a more suitable time for fixed investment, so they choose to vote every week.
1, in the stock market, Thursday is called Black Thursday. Because the trading system of "T+ 1" is adopted in stock trading, some investors will choose to cash out their stocks on Thursday. This is also one of the main reasons why investors think Thursday is suitable for the fund to open positions.
2. In fact, from the historical data of the fund's fixed investment, whether it is a daily fixed investment or a weekly fixed investment, the expected income gap of long-term fixed investment is very small and almost negligible. Considering the operating cost and risk tolerance of investors, it is suggested that weekly or monthly fixed investment is better than daily fixed investment with too high frequency.
3. Compared with the fixed investment cycle, the choice of fixed investment fund and fixed investment duration will have a greater impact on the expected return of the fund. It is generally recommended to choose stock funds and index funds for fixed investment, and it is recommended to stick to it for more than 3 years.
4. First of all, it is more important to choose weekly fixed investment than monthly fixed investment in planning fixed investment funds. The source of funds for many people to make a fixed investment in the fund is their monthly salary, so if they choose to make a fixed investment every month, they only need to set the fixed investment time after the payday, and the monthly salary can be automatically invested without any planning.
5. However, if you choose to make a fixed investment every week, you need to leave enough funds in your bank account on the fixed investment day every week. Are these funds always in the bank account, or wait until the scheduled date to transfer the money? If you keep it in a bank account, obviously you can't make full use of the funds. If you transfer the money to the scheduled date, there will be more operations, and you may forget it.