What is the difference between fixed investment and buying?
1 There are different trading methods.
1, look at the one-time purchase first. Assuming that the net value of a fund is 1, when you invest 1000 yuan at one time, you can get 100 shares. If the net fund value is greater than 1, then correspondingly, your share will be less than1000; But if the net value of the fund is less than 1, then the fund share you get will be greater than 1000.
In any case, when you complete the subscription, the fund share you get is fixed, and this share will not change no matter how the net value changes. Only when all the purchased funds are finally sold, and the current fund net value is greater than the fund net value at the time of purchase, will you gain income, otherwise, it will be a loss.
2, look at the fixed investment of the fund, the fixed investment of the fund is a fixed term, a fixed amount, and a fixed investment fund. Therefore, invest in batches, but because the net value of each investment is different, even if you invest in the same amount of funds, your fund share is different.
More specifically, when the net value of the fund is low, you get more shares, and when the net value is high, you get less shares. In this way, in the case of getting the same share, your input cost will be smaller. By holding a fixed investment fund for a long time, although there may be floating losses during the holding period, as long as it is sold with high net worth, it can still obtain considerable income.
Two different suitable fund investments
One-time investment is suitable for low-risk funds, such as money funds or funds that are determined to be bullish. For low-risk funds, because most of the investment targets do not involve the stock market, the net value of the fund is stable and there is almost no big fluctuation. Therefore, this kind of fund has no special requirements on the timing of purchase, because its own risk is not great, and there is no possibility of loss. The effect of investment is the same at any time, and they can invest directly.
For funds that are determined to be bullish, the net value curve is predicted to rise. Therefore, if you buy at one time, it is equivalent to buying at a low level, and then waiting for it to rise to a high level and then selling it, you can get high returns brought by the big net value difference. On the other hand, the premise is that the fund is indeed on the rise, and you must judge the trend.
Fixed investment is more suitable for medium and high-risk funds, such as index funds and stock funds. The investment target includes the proportion of equity assets, especially the proportion of stocks. Therefore, it fluctuates greatly. Direct one-time buying is often easy to buy at a high level, causing unnecessary losses. Through fixed investment, the influence of timing can be weakened.