Fixed fund investment is a left-handed trading strategy. The advantage of this strategy is that it can continuously reduce the cost of the bottom area.
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Because it is bought through the strategy of fixed time and quota, it avoids the weakness of human nature-fear and greed.
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Investment is an anti-human thing, whether it is fixed investment or asset allocation, it is to overcome the weakness of human nature.
Stretch the curve of the main index and you will find that the market has been rising for a long time. Not making money is definitely not the fault of the market, but the fault of investors.
Since the fund's fixed investment has these advantages, it must have shortcomings.
Any strategy can only solve one problem, and there is always a blind spot behind any strategy, which is the disadvantage of this strategy. If there were any strategies to solve all the problems, there wouldn't be so many problems. For example, if Coca-Cola takes the classic route, it will be impossible to eliminate Pepsi-Cola that takes the young route. If Coca-Cola also promotes younger brands, its basic classic image will be finished. The blind spot of Coca-Cola's classic route is doomed that Pepsi will survive, not be destroyed. The advantages and disadvantages of fixed investment are equally obvious. The advantage is that you can continuously dilute the cost on the left side, so that your position cost can be further reduced. The disadvantage is that the efficiency of the right side is extremely poor, which can not reduce the cost. Once the market starts to rebound, the fund will have no advantage in fixed investment, but the more it buys, the higher the cost.
The better situation is that the rising efficiency is reduced, and the tragic situation is that the fixed investment is at a high point. Once the market falls, it will lose a lot.
Therefore, the fixed investment of the fund only applies to the left side, and other means have to be considered when it comes to the right side.
And it's obviously not on the left. The market of 20 18 belongs to the left, which belongs to the time when you should buy more and more. There is room for interest rate decline.
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Recently, I also saw a "great god" teaching people to use funds to make bands. If they go up, they will sell them, and if they fall, they will buy them back.
I am really drunk. Since choosing a fund means that you are not as good as a fund manager and regard the fund as a band, you feel that you are better than a fund manager and can see the future trend. I might as well buy stocks myself.
If the level is higher than the fund manager, why buy a fund? If stocks do well, they will definitely make more money than funds. It is good that the fund can grow by 30% a year. If it has the ability to hold bull stocks, it can be multiplied several times a year.
If the level is lower than that of the fund manager, it is not deceiving yourself to make decisions instead of the fund manager.
In fact, the cost of using funds for short-term transactions is very high. Generally, it is the following fees.
Selling in seven days is 65438+ 0.5% of the cost.
Selling for more than seven days and less than one year is a handling fee of 0.5%.
1 year or more and less than or equal to 2 years is 0.2% of the fee.
You see, if you use the fund to sell high and suck low, will the handling fee make your flesh ache?
If you believe in a fund, you will always believe in it. If you don't believe it, don't buy it in the first place. Buy your own stocks.
Finally, to sum up again:
1. Fixed investment is not suitable for the current market, but only for the left market.
2. It is better to buy stocks by yourself than to use funds as a band.