I heard that many investors and friends will say that instead of chasing up and down, it is better to patiently stick to a fixed investment. Through the fixed investment of the fund, investors can achieve the effect of investing in batches, smoothing risks and gathering sand into a tower. However, there are also some investment misunderstandings in the fund's fixed investment. Do you know what are the misunderstandings of the fund's fixed investment?

Myth 1: compound interest effect, double benefit

It can be said that the compound interest effect can become the eighth wonder in the world and is often used to prove the effectiveness of long-term investment. However, in the actual investment process, the effect of compound interest depends on the choice of basic market and specific target, especially in the typical emerging market, A-share, because the fluctuation range is too large, the bull is short and the bear is long, so the fixed investment period should be fully predicted from the time period.

Therefore, in order to get the real compound interest effect, there must be a certain period. Generally speaking, many investors can't stand the loss after the market enters the bear market, and choose to redeem or stop the fixed investment, which violates the basic principle of the fund's fixed investment and turns the potential investment opportunity into a real loss.

Myth 2: The regular quota will never change.

Whether in investment or regular investment, the final return on investment depends on the market environment at that time; On the one hand, it depends on the size of principal. When you have a lot of low-priced chips in the rising cycle, you can fully enjoy the benefits brought by the market rise.

In fact, the clever way to play the fund is to set an irregular quota, even an irregular quota, or increase the buying frequency during the adjustment period according to the fluctuation range of the market index, so as to accumulate enough fund shares in the market position, gradually reduce the buying amount during the market rising cycle, and finally realize the pyramid structure of fund share distribution, so as to fully obtain the rising income of the market.

Myth 3: stick to the fund.

Fixed investment in a fund is an investment method, but it doesn't mean that you have to guard a fund to death. The choice of fixed investment fund varieties is related to the different needs of investors for wealth in their individual age groups. The longer the fixed investment time, the greater the sum of accumulated investment funds and potential capital gains, and the greater the impact of fluctuations in the basic market. Investors have different requirements for investment risk exposure at different stages of their life cycle.