Fixed investment is one of the most easily bypassed financial management methods in financial science, but fixed investment is always made by major financial institutions or because funds can really make money for a long time, although not as much as they say, but how long is it? You can simply say why the time is long enough to stop loss.
Even Warren Buffett is a strong investor in index funds, but we need to be clear that Buffett invests in American stocks, which have been in a bull market for nearly ten years.
The long-term income of fixed investment is about 7%, which is not so vivid, and there are more than 30% retreats in recent years, which is a great test for the affordability of ordinary people.
Investment is a very long-term behavior. There are many other things in ordinary people's lives, such as work, life, socialization and so on. Not everyone has time to pay attention to financial news all day.
When most retail investors make a fixed investment, it is at a smart time, that is, they hear that someone is making money. As an ordinary person, suddenly for a while, I heard that everyone around me made money by buying funds or speculating in stocks, and there were many jokes related to investment and financial management on the Internet. At this time, it generally means that the volume and price of the whole market are already in a very high position. At this time, it is often the highest point to start making a fixed investment with people around you or reading online textbooks.
I don't usually have the habit of managing money, so I suddenly go to manage money. Most of them saw the money-making effect of the market and attracted you. But when this money-making effect appears on a large scale, experienced investors should know that it is time to retreat, and as a novice, you will start to rush in at this time, which obviously will not have a good result.
Capital market is not a charity. When there is a general money-making effect in the market, it is actually an overheated performance. Financial management can't be on a whim. Rush in when the market is hot, and disappear when the market is depressed.