The fund's fixed investment saves time and effort, and it is a veritable "fool's financial management". However, for many citizens, especially those who are superstitious about market speculation and love to chase up and down, regular fixed investment is still dubious. This paper lists n reasons for refusing to make a fixed investment. What kind do you belong to? 1, too slow! Can't wait!
Reason: "It has been fixed for several months, and the yield is only two or three points! Too slow, I can't wait! " We often complain like this.
Answer: the fixed investment of the fund is not playing mahjong, and winning or losing is immediate. As a lifetime financial planning, its income expectation should have a long-term stable goal. The so-called long-term, funds are often fixed for raising children and raising funds for their education; I also often prepare for retirement and leave a pension for myself. The so-called stability refers to overcoming inflation and market fluctuations as the goal, but if you want to surpass the skyrocketing housing prices in recent years and earn a house through fixed investment, your requirements are obviously too high.
2, too stupid! Can't buy low and sell high!
Reason: "Fixed investment is undoubtedly waiting for the rabbit, and you can't buy low and sell high." We are often used to this "master thinking".
Answer: Fixed investment does not guarantee to buy low and sell high. However, did you sell it on 6 124? Did you buy it on 1664? Even traders who love short-term operations, how many can handle it? Market timing is often just a good wish! For ordinary investors, the foundation is progressing steadily and cannot be superstitious about market speculation.
3, no money! The reason is "where can the moonlight family invest?" Many wage earners, especially young people, often have such doubts.
Answer: If there is no money now, will there be money in the future? Big bosses who do business may be more "short of money" than wage earners. In fact, the so-called no money is just an illusion in habitual thinking. Xiao Biyan, godmother of Taiwan Province Province, joked that many young people in Taiwan Province Province would rather spend their money on traveling in Europe.
Or spend more than one million Taiwan dollars on a century wedding like Big S. But these days, if you get married today, you may get divorced tomorrow. As long as you sing K less once, or buy a dress less, you can save the money you want to invest that month.
4, not bad money!
A: There is a folk story. Once upon a time, there was a daughter-in-law Every time she cooks, she grabs a handful of rice from the spoon and puts it in a jar next to the stove. The rice in the jar has never been touched. No one in the family understands why she did this. She said that she did it for a rainy day. Everyone in the family laughed at her. What will happen? Later, there was a great drought there, and the crops failed, so many people had to leave their homes and flee. The family survived the famine with this full pot of rice.
5. There is already a fund and there is no need to make a fixed investment.
Reason: I already have a fund, so I don't need to make a fixed investment.
A: Idle funds are divided into existing funds and monthly balance. The fixed investment of the fund is mainly aimed at the balance of future income, and the growth of assets is between bits and pieces.