Fixed-term investment refers to a fund investment method in which an investor submits an application through a designated fund sales organization to agree on the time and amount of monthly deduction, and the fund company automatically completes the deduction in the fund account designated by the investor on the agreed deduction date every month, and submits a fund subscription application. At present, many fund companies' online trading systems can handle regular quota business, and investors need to hold the bank card designated by the fund company to handle regular quota business through the company's online trading system. There is also the fund company's online trading system can not achieve regular fixed investment, investors need to handle regular fixed business through the counters of designated banks and other consignment agencies or online banking.
For fund companies that accept online quota trading, the quota subscription rate and charging method are equivalent to the online transaction subscription rate and charging method of the corresponding fund on the actual deduction date. At present, the online transaction rate of most funds is lower than the subscription rate of consignment channels, and it is more favorable to conduct regular fixed transaction rates through the website of fund companies.
You can choose Guangfa Jufeng, Bosera Select, Bosera Theme, Huitianfu Advantage Select and Nuoan Stock Fund. You can go to Morningstar, Jimmy, Coolpad Fund and Tian Tian Fund to see the performance, ranking and fund managers of each fund. It is recommended to choose high-risk funds for fixed investment.
The reason why the fund with large net value fluctuation is chosen is that the fund with large net value fluctuation has more opportunities to accumulate more low-cost fund shares in the stage of net value decline, and can make quick profits when the market rebounds. Among all kinds of funds, equity funds are more suitable for fixed investment business, such as Guangfa Jufeng, Guangfa Small Cap and Guangfa Jufu Fund. Because this method makes use of the time compound interest effect to make long-term investment profits, it does not need to choose the timing of entering the market, and it also disperses the short-term risks of long and short stock market and fund net value fluctuation.
Regular fixed investment of funds refers to the time, amount and method of deduction agreed by investors in relevant sales organizations, and the sales organizations will automatically complete the deduction and fund subscription from the bank account designated by investors on the agreed deduction date. Because the amount of investment in this way is generally small, investors can make money run automatically for a long time through an agreement, so it is also called "lazy investment law". Similar to the bank's zero deposit and withdrawal method.
For example, investors decide to invest 10000 yuan in a fund. According to the regular quota plan, investors can invest 1000 yuan per month, totaling 10 months. You can also invest in 200 yuan every month for 50 consecutive months.
Different from single investment, fixed-term investment funds have a low starting point and do not increase the economic burden; Automatic monthly deduction has the effect of compulsory savings and accumulates funds for investors; If you persist for a long time, you can still get compound interest income.
Regular fixed investment can effectively spread investment risks. When the net value of the fund rises, the fund shares bought are less; When the net value falls, you buy more stocks. In this way, "buy less when going up and buy more when going down" can effectively reduce the investment cost in the long run, and investors don't have to go to great lengths to choose the right investment opportunity.
Generally speaking, the fund's fixed investment is more suitable for working-class people with low risk tolerance, young people who have just started working, and middle-aged people with specific financial goals (such as children's education funds and pension plans). Experts suggest that investors can plan their fixed investment according to the actual situation and goals. For example, if you buy a car or a house, you can choose to invest in ICBC for three to five years. If you prepare education funds and provide for your children, you can choose a longer fixed investment period.
The allocation of fixed investment varies from bank to bank:
(Bank of Communications) When you have no money in your account for one month, it fails to apply for regular subscription in the current period. Even if there is enough balance in the account after deduction, it will not be replenished in the current period. If the application fails for three consecutive periods, the application for regular quota subscription will be automatically terminated.
The deduction time for the fixed investment of the (ICBC) Fund is as follows:
(1) When will the fixed investment signed by the fund be deducted during the fund trading hours?
If the agreement takes effect on the same day and the balance is sufficient, the deduction will be made at that time (if the balance is insufficient, the deduction will be delayed).
(2) When the non-fund trading time is 15: 0 1-24: 00, when will the fund be deducted?
If the agreement takes effect on the same day, the subscription will be deducted on the next fund trading day.
(3) If the scheduled investment participation time is set and it is not the signing date, when will the deduction be made?
Deduction and subscription will be made on the next fund trading day on the effective date of this agreement.
You can choose the deduction time when the fund's fixed investment takes effect for the first time, and the deduction will be automatically made on the first working day of each month from the following month.
Fixed investment requires sufficient balance in the account. Consignment banks have different regulations on fixed investment, and the date of deduction is also different. Be careful of the failure or termination of fixed investment due to insufficient funds.
If the account balance of Bank of Communications and China Construction Bank is insufficient and the deduction is unsuccessful on the transfer date after the agreed date or holiday, even if the account defaults once and the transfer is unsuccessful for three consecutive months, the fixed investment plan will be automatically terminated.
ICBC is different. Generally, the fixed investment business is recorded on the first trading day of each month. If the balance is insufficient, the system will automatically scan. No matter what day of the specified month, as long as the funds in the account are full, the deduction will be made automatically. It should also be noted that the investment plan will be terminated if it fails to plan successfully for three consecutive months and defaults for three times. So make sure the account is rich.
According to the relevant announcement of ICBC, the rules for fixed investment are as follows:
1. No specific deduction date is specified, and the general deduction date is the first trading day of the current month;
2. If the customer makes a fixed investment before 15: 00 on the same day, the deduction will be made on the same day; if the customer makes a fixed investment after 15: 00, the deduction will be made on the next day;
3. If the balance of the fund account designated by the investor is insufficient within the legal trading hours of the day, the banking system will automatically continue to deduct the money the next day, and calculate the confirmed share according to the net value of the fund share on the day of actual deduction;
4. If the balance of the deduction account is insufficient and the number of defaults reaches three times, the system will automatically terminate the investor's fund fixed investment business;
In addition, investors should understand the calculation rules of default: if the current balance of the investor's fund account is insufficient, the current deduction subscription is unsuccessful and the number of defaults is increased once. In the next period, the system will not only deduct the subscription money of the previous period, but also deduct the subscription money of the current period. If the subscription of the previous period and the subscription of the current period are successful, the number of defaults will be reduced by one; If the supplementary subscription is successful and the current deduction subscription is unsuccessful, the default number will remain unchanged; If the supplementary deduction subscription and the current deduction subscription are unsuccessful, the number of defaults will be increased by one; And so on.