If you want to continue to make a fixed investment, you need to go to the bank to handle a new fixed investment agreement!
The purchased fund is in your account and will not be redeemed automatically. You can keep it and redeem it at any time.
I don't know why you want to suspend the fixed investment. If it's a loss, I don't think you need to redeem it in a hurry.
From last year 10, the market began to fluctuate and fall. Most people who started the fund's fixed investment last year lost money. Coupled with the uncertainty of the market outlook, many people are now in the contradiction of continuing or terminating the fixed investment. In this regard, I think that for most people who make a fixed investment, the loss of the fund's fixed investment is the high price bought in the early stage. Now the market decline is the time to stabilize costs, and it is not cost-effective to terminate the fixed investment at present. It is precisely because of the volatility of the stock market that the advantages of the fixed investment of the fund can be highlighted. Through the investment discipline of fixed time and quota, we can reduce the weight at a high level and increase the weight at a low level. Investors who insist on it for a long time will certainly experience the benefits of the fixed investment of the fund.
We should establish three investment beliefs.
First, long-term fixed investment does not require timing. Macroeconomy is cyclical, and the stock market also has bull market and bear market. Therefore, for investors who intend to invest for a long time, they should also keep a close eye on the stock market and even the economic boom cycle in specific operations. Judging from the recommended materials of most fund companies, the fixed investment of funds has the characteristics of entering the market at any time, which avoids the trouble of timing. For a fixed investment, it is appropriate to enter the market at any time.
Second, buy more at a low level and dilute the cost. When the market shows an upward trend, the net value of the fund is relatively high, and at this time, the number of fund units bought with the same amount of funds is correspondingly small; When the market shows a downward trend, the price of fund shares decreases, and the number of fund shares that can be bought increases. In a long term, the total investment consists of a large number of relatively low-priced fund shares and a small number of high-priced fund shares. As a result of dilution, the average cost of each unit will be lower than the cost of a single investment, which reduces the lock-in risk.
Third, many a mickle makes a mickle, and compound interest adds value. Another great advantage of the fund's regular fixed investment is that it has the function of compulsory investment. Invest a small amount of savings every month and enjoy the advantage of compound interest for a long time. Fund companies generally recommend long-term investment as the core concept, and it takes 5- 10 years of continuous investment to produce a huge compound interest effect.