We often have various ideas about the skills of fund investment. Some people prefer to stick to ordinary fixed investment, which saves trouble and effort. Do some people think it will be good to buy as long as they fall and stick to it? Today we will find out the answer.

We take the partial-share hybrid fund index as the measurement object, and select the time span from 20 1515 to 2021may 3 1, mainly because this time span has experienced a complete bull-bear market cycle and experienced a wide shock of 3,500 to 3,600. The measurement data are divided into two groups:

Buy on rallies: As long as the Shanghai Composite Index falls by more than 1.5% in a single day, buy the partial stock hybrid fund index of 1 10,000 yuan.

Ordinary fixed investment group: from February, 20 15 to June, 1000 yuan each time.

The calculation results are as follows:

During the rallies buying group, there were 84 rallies buying opportunities, each time the investment dropped by 1 000 yuan, and the cumulative rate of return at the end of the period was 86.65%, with a total investment of 84,000 yuan and a profit of about 72,800 yuan.

The ordinary fixed investment group deducted 66 times, with a yield of 82.05%, a total investment of 66,000 yuan and a profit of about 54,200 yuan.

Judging from the rate of return, the difference between the two is not very big. The yield of buying on rallies is slightly higher, and the interval index buys more times and earns more. Compared with the fixed investment, buying on dips does not seem as good as expected. The main reason is that the actual rallies may not always appear at a low level, but may also be bought at a relatively high level.

Then we also set up two other control groups, namely, the partial-share hybrid fund index with the Shanghai Composite Index falling more than 1% and 2% buying 1 10,000 yuan.

The results show that the cumulative investment is1580,000 yuan, the cumulative income is about134.7 million yuan, and the cumulative yield is 85.27%. The cumulative investment is 49,000 yuan, and the cumulative income is about 48,000 yuan, with a cumulative yield of 98.07%.

Comparing the data of three buying groups, it can be found that with the increase of downside setting, the number and amount of accumulated investment will decrease, but the rate of return will increase.

For those investors who are well-funded and active, fixed investment+bargain hunting may provide higher returns in the long run. For less affluent and conservative investors, buying on dips can provide higher returns.