When someone tells you that investment funds can make money, you should not only understand the advantages of investment funds, but also fully understand the disadvantages of investment funds. Understand the fixed investment of the fund objectively and comprehensively, and adjust your investment strategy for each short board in order to be beneficial to your investment.

1, the greater the principal investment, the weaker the effect of sharing the purchase cost.

Fixed investment of funds is an investment strategy, which uses market lows to buy more fund shares with the same funds, thus reducing the purchase cost. However, with more and more principal investment, the effect of sharing the purchase cost will become smaller and smaller. In extreme cases, when the principal investment is infinite and the fixed investment amount is infinite, the effect of amortization of purchase cost is close to zero.

Coping strategies: take profit and dynamic management.

2. The fixed investment of the fund itself will not determine the quality of this fund.

Since it is an investment strategy to reduce the subscription cost, the fixed investment of the fund really can't help you choose a good fund. It can be profitable, but the market can bring a wave of ups and downs. If the trend of the fund has been fluctuating downward or falling off a cliff, it is true that the buying cost is getting lower and lower, but it is actually amplifying the loss!

Coping strategy: choose a good fund to make a fixed investment, instead of buying a fund to start your own fixed investment with the idea that I will definitely make money through the fixed investment of the fund, no matter whether the fund is good or bad.

3. If the market rises unilaterally, the fixed investment of the fund will make the purchase cost higher and higher.

The same money can buy more fund shares at the low point of the market, but on the contrary, if the market rises unilaterally, the same money will buy less and less fund shares, thus making the cost of each purchase higher and higher. Although the fixed investment of the fund does not need to consider the timing problem too much compared with the one-time investment, the frequency of the fixed investment of the fund needs to be adjusted if it encounters a unilateral rising market.

Coping strategy: adjust the frequency of fixed investment of funds. For example, in the current volatile market, the 7-minute financial big data study found that biweekly fixed investment is better, but this frequency is not suitable for unilateral rising market.

4. The fixed investment of the fund needs stable cash flow support.

The fund's fixed investment deduction failed three times, and the fund's fixed investment plan was terminated. For families with particularly large income fluctuations, if they can't calculate their monthly increase well, they may miss the market because of insufficient account balance.

Coping strategy: Don't overestimate your monthly salary. Before investing, count your new investments.

5. The fixed investment of the fund itself will not change the trend of bulls and bears.

The fixed investment of the fund itself will not change the trend of bulls and bears. If we insist on the fixed investment of the fund at the end of the bull market regardless of the market environment, we will definitely make money. Once the bear market comes, we can't keep the profits we made before.

Coping strategy: long-term dynamic management, observing changes in the market environment and making adjustments at any time.

6. Fixed fund investment cannot replace low-risk debt investment.

For investment, many people only think of varieties that can make money quickly, but ignore the investment in low-risk products. Although the fixed investment of the fund can reduce the risk to a certain extent by sharing the subscription cost equally, it does not mean that the fixed investment of the fund can completely replace the low-risk debt investment, such as bank fixed-income wealth management and pure debt funds. If individuals only invest in stock funds/hybrid funds, but not fixed-income wealth management funds and pure debt funds such as banks, then the correlation coefficient in the portfolio will not change because of the change of the frequency of fixed investment. The risk of this combination will still be high.

7. The fixed investment of the fund does not consider the opportunity cost.

You must have heard that long-term fixed investment will definitely make money, but many people ignore the lost opportunity cost behind it. How much do you earn when you make money? If you invest 2,000 yuan in a bad fund every month, it will take 10 years to recover your capital and earn 100 yuan. Is it worth it? Maybe at the beginning, if you stop selling, choose a good fund to make a fixed investment.

If the fund itself changes, such as the new fund manager takes office, but the management level is not as good as that of his predecessor, should he wait and see for a while to sell or continue to hold a fixed investment?

Coping strategy: the portfolio needs long-term dynamic management, mainly selling, and we just provide this service.