You can also set your own deduction date. If you set the monthly deduction date to 15, the bank will deduct the money on 15 every month. If it is set to the 20th of each month, it will be deducted on the 20th of each month, weekends or holidays. The deduction will be postponed to the next working day. If it is not set, it will be deducted from the first day of each month next month.
Fixed investment in funds (AIP) is called lazy investment. This value comes from a wall street proverb: "it is more difficult to set foot on the market accurately than to catch a flying knife in the air." The bulk purchase method overcomes the shortcomings of buying and selling at only one time point, can balance the cost and make itself invincible in investment, that is, the fixed investment method.
Generally speaking, funds have two investment methods, namely, single investment and fixed investment. Because of the low starting point and simple method, "fixed investment" is also called "small investment plan" or "lazy financial management"
"Compared with the fixed investment, the one-time investment income may be high, but the risk is also high. Because it avoids the influence of investors' subjective judgment on the timing of entry, fixed investment is more risky than stock investment or single fund investment. Obviously, Dickas.
Regular fixed investment of the fund is similar to long-term savings, which adds up to share the investment cost and reduce the overall risk. With automatic bargaining and bargaining function. No matter how the market price changes, the average cost can always be relatively low, so regular fixed investment can smooth the peaks and valleys of the fund's net value and eliminate market fluctuations. As long as the overall growth of the selected funds is strong, investors can get relatively average returns without worrying about the timing of entering the market.
Overall characteristics
It is difficult for ordinary investors to grasp the right investment opportunities in time. They may often buy at market highs and sell at market lows. However, the conventional fixed investment method is adopted. Not affected by market fluctuations, the fund will be fixed for one day every month, and the bank will automatically deduct the money, and automatically calculate the purchasable fund share according to the net value of the fund. In this way, investors can invest in funds on schedule, and the investment cost is relatively uniform.
For example, if you invest 100 yuan in an open-end fund every two months, the number of units you can buy each time is 100, 105.3,11,108.7 and 95 respectively. The cumulative number of shares is 6 1 1.2, the average cost is 600 ÷ 61.2 = 0.982 yuan, and the return on investment is (1.1× 6/kloc-). (Note: Fund investment is risky. Past examples are for reference only, not a hint or guarantee of fund investment income. )