2, suitable for the crowd:
office worker
After deducting the daily living expenses, the salary income of most office workers is often small, and a small amount of regular investment is the most appropriate. Moreover, because most office workers can't go to financial institutions to go through the subscription procedures in person during office hours, it is the most time-saving and trouble-saving way for office workers to set up automatic deduction fixed investment in designated accounts.
Those who need special funds at some point in the future.
For example, you have to pay a down payment for buying a house three years later, a fund for children to study abroad 20 years later, or even a retirement pension fund 30 years later. When we know that there will be a large demand for funds in the future, it will not only cause economic burden, but also turn small monthly money into big money in the future.
Don't like people who take excessive investment risks.
Due to the advantage of weighted average investment cost, regular investment can effectively reduce the overall investment cost, reduce the risk of price fluctuation, and then enhance the opportunity of profit.
3. Investment knowledge:
Processing mode
If you have opened a fund account, you only need to bring your valid certificate and fund card/bank card to the designated agent network to sign a regular deduction agreement during the daily fund trading hours to stipulate the monthly deduction time and amount.
If a fund account has not been opened, you can apply for opening a fund account at the business outlets, and at the same time open regular quota business.
If there is no bank account, you must first open a bank account and deduct the subscription funds regularly. Account opening and subscription can be handled at the same time at the agency's outlets.
Minimum purchase amount
Different channels have different restrictions on the minimum amount of fixed investment. For example, the minimum monthly subscription amount for the fixed investment business of Postal Savings Bank is 100 yuan, and the minimum monthly subscription amount for the fixed investment business of Industrial and Commercial Bank of China is 200 yuan. The difference of additional investment must be an integer multiple of 100 yuan. The minimum monthly subscription amount of China Merchants Bank is 300 yuan.
Deduction time
The fixed investment period of the fund is usually one month, but the monthly deduction date agreed by different consignment channels is different. For example, the monthly deduction time of ICBC's fixed investment business is the first working day of each month, and the investment period is three years and five years. China Merchants Bank deducts money on the 8th of each month.
Responsible for calculation
For the fixed investment of different channels, the calculation of fund holding period is also different. Such as Industrial and Commercial Bank of China and China Merchants Bank, the holding time is calculated according to each investment, and customers can redeem it at any time before the fixed investment expires; The holding time of GF Securities is uniformly calculated from the first deduction, but customers cannot redeem it before the fixed investment contract expires.