As a lazy investment, the fund's fixed investment has attracted many small partners to participate. However, not all funds are suitable for fixed investment, and some funds, such as money funds and bond funds, are not suitable for fixed investment. Its own fluctuation is small, so it is more cost-effective to purchase directly at one time, and there is no need for long-term fixed investment. So, which funds are suitable for fixed investment?

What kind of fund is suitable for fixed investment?

I. Funds with large fluctuations

Generally speaking, funds with large volatility are most suitable for fixed investment, such as index funds and stock funds. When the stock market is at a low level, the more volatile the fund, the higher the fund share bought by the same amount than the fund share with less fluctuation. When the market picks up in the future, foundations with large fluctuations will get higher returns. For example:

Suppose the net value of fund A from June to May is 1 yuan, 0.8 yuan, 1 yuan, 1. 1 yuan, 1 yuan; The net value of fund b/kloc-0 from October to may is 1 yuan, 0.6 yuan, 1 yuan, 1.4 yuan, 1 yuan respectively. We can see that the fluctuation of fund B is greater than that of fund A, although the final net value is the same. But when the stock market is low, 0.8 yuan's Fund A and 0.6 yuan's Fund B will definitely get more fund shares if they buy Fund B with the same funds. In the end, the net value of the two types of funds will only pick up. The more fund shares they hold, the greater the income they get.

Therefore, choosing a fund with large fluctuations for fixed investment can collect more fund shares at a lower market level and reduce the total purchase cost. Only when the market situation is good can we get better returns.

2. Undervalued funds

However, it is not enough to choose a fund with large fluctuations. If the long-term trend of this fund has been downward, whether it is a fixed investment or a one-time purchase, it is wild. Therefore, when the fund decides to choose the target fund, it must pay attention to the texture of the fund. At present, the mainstream selection method is PE valuation based on funds. The lower the valuation, the more suitable it is for the layout of fixed investment, such as the Shanghai and Shenzhen 300 Index and the CSI Dividend Index.

Well, the content about the fixed investment of the fund is shared here, hoping to help the war situation. Warm reminder, the stock market is risky and investment needs to be cautious.