For a portfolio or a fund, there are two points to consider when choosing a one-time purchase or a fixed investment: one is its own capital situation, and the other is the volatility of the product itself.
Fixed investment can be bought in batches on a weekly or monthly basis. Judging from the cash flow of investors, if you have a relatively fixed balance of funds every month, such as the salary of office workers, if you use the balance of funds other than daily necessities for fixed investment, then the efficiency of the use of funds is undoubtedly the highest, which can help you restrain consumption and cultivate investment discipline.
But if you have a lot of idle funds and want to invest, it is recommended to consider the volatility of the fund.
1. For products with large fluctuations, fixed investment can be adopted, such as index funds, partial stock funds and equity-oriented fund portfolios. The perfect situation is to buy at a "low point", but most people don't have this ability, so they have to settle for the second best and choose to buy at a fixed investment to get an average cost.
2. For products with little fluctuation, fixed investment is not required. Like a steadily rising product, the earlier the capital is invested, the more benefits will be enjoyed.
Therefore, for financial professionals, their risk tolerance is limited and they lack corresponding investment skills. Therefore, it is a more reasonable method for the fund to invest in the stock market. For investors who have rich investment experience and can bear investment risks, if they can identify under what circumstances the fund is cheap, then in this case, a single purchase of the fund may have a better investment income.
"Is it a good investment or a one-time purchase?" For financial manager Xiao Bai and investment veteran, the answer is also different.