Everyone knows that the fund can make money by fixed investment, the risk is lower than that of stocks, and the income is higher than that of bank deposits, but I don't know when to start fixed investment, how much fixed investment is appropriate, and when to redeem it. I estimate that many people just want to try it after hearing others say that the fund can make money by fixed investment, thinking that they can wait to make money by randomly selecting a few top-ranked funds on Alipay.
But investment is never a simple matter! If you don't know anything and plunge into the fund market, don't know the strategy of fixed investment, don't choose the right fund, just make a mindless fixed investment, then the worst result may be that you are lying when you cry and tell me that the fund can make money!
1. How to set the fixed investment amount?
In the fixed investment scheme, there is no standard answer to the fixed investment amount, because everyone's age, income, risk preference and investment experience are different. Although it is a bit irresponsible to say this, what I can tell you is that there is a major premise in setting the fixed investment amount: you must use spare money to make a fixed investment, not living expenses or reserve funds.
Generally speaking, the amount of fixed investment should not affect your quality of life!
We suggest setting the fixed investment amount every month, and the fixed investment amount every month = (income-expenditure-reserve fund) /2. For example, Xiaoxi's monthly income is 8,000 yuan, her expenditure is about 4,000 yuan, and the reserve fund is 1000 yuan, so she can take out half of the money to make a fixed investment, that is, 1500 yuan.
2. How to choose the fixed investment cycle?
Is the fixed investment cycle to choose weekly or monthly fixed investment? We believe that many people don't know how to choose. In fact, from the calculation and back test of long-term fund's fixed investment income, there is little difference between weekly fixed investment and monthly fixed investment, so there is no need to be too entangled.
We suggest that you can choose monthly fixed investment in the fixed investment cycle, and you can choose the date of monthly fixed investment according to your salary payment date.
If you have the idea of buying a fund, we think it is necessary to conduct professional research, because the money earned by good luck will be returned by bad luck sooner or later.
Finally, I would like to share a word with you here: if you don't understand, don't vote. If you understand, you can vote with confidence!