What's the method of fixed fund investment in 222

Fixed fund investment is a kind of lazy investment with a fixed period, but there are methods when the fund is fixed, so what's the smart method? Can the fund's fixed investment keep the principal? Today, Xiaobian has compiled some fund-related knowledge for everyone here. Let's take a look!

What's the method for a fund to make a fixed investment

Use the value average strategy to make a fixed investment. For example, an investor made a fixed investment in 1 yuan in the first month, and the fixed investment in the second month depends on the performance of the fund in the first month.

Suppose: if the fund rises by 1%, then the money earned is: 1_1%=1 yuan, then investors only need to invest in 9 yuan, that is, the original 1 yuan is used to subtract the floating profit of 1 yuan from the fund itself.

Then, if the fund drops by 1% and 1 yuan becomes 9 yuan, then investors should increase their investment at this time, which is equivalent to making up the floating loss of 1 yuan due to the fund drop out of their own pockets. The amount of fixed investment in this period is 1,1 yuan. By analogy, the fixed investment amount of each month is calculated on the basis of the fluctuation of the net value of the previous month, but the fixed investment of the fund is risky and there is the possibility of loss, which should be based on its actual situation. The above is for reference only and no suggestions are made.

the fixed investment of the fund may not be able to keep the principal. Although the essence of the fixed investment of the fund is to share the risk equally, all funds are risky, and the fixed investment of the fund is the same and risky, so it may not be possible to keep it. Therefore, when you make a fixed investment of the fund, you should also pay attention to the risk, and proceed from your own risk tolerance. If the loss of the fund exceeds the scope, you should consider stopping the loss in time.

taboo of fixed investment fund

1. Chasing up and killing down

When the fund goes up, I just want to wait, first observe, and then I find that the fund has gone up for a while, and it has continued to go up for more than five days, so I can't help but want to buy it, and I will be very optimistic about this fund. However, if I buy the fund at this moment, it is likely to be at the high level of the fund. Once I buy the fund, I will continue to fall, and now I will fall.

Therefore, when buying a fund, you must not chase after the ups and downs. When buying a fund, you should analyze the fund's past performance, fund manager, fund trend, fund size and so on, and select a good fund to hold for a long time.

2. I like new funds

When some investors buy a fund, it is great to see the introduction of the new fund, and there are powerful fund managers, etc. But the new fund can't see its past performance, so it lacks a reference indicator. Secondly, the new fund must be introduced well, otherwise how can it attract people to buy it? If a novice wants to buy a fund, it is generally recommended to consider the old fund.

3. Pay attention to short-term performance

When a fund gains more than 5% on the same day, some investors will see stars, thinking that the fund is so good that they will buy it on the same day, but there may be losses the next day. When buying a fund, don't pay too much attention to short-term performance, and consider it in many ways.

Can the money fund make a fixed investment?

Take Alipay as an example: the money fund doesn't have a fixed investment page. If investors want to make a fixed investment, they can do it themselves. For example, they can make their own investment at 8: every Monday morning, and the specific amount and time can be decided according to their own situation.

Generally speaking, money funds are not suitable for fixed investment because of their small volatility and basically stable income. However, if investors don't want to take great risks, it is ok to deposit them every month when they want to pay their salaries.

This person varies from person to person. Some people don't want to take great risks, but they want to focus on low risks and steady returns. However, their wages are paid once a month, so they can only invest once a month. It is also possible to invest in money funds in this way. For such investors, money funds are meaningful.

But if some people want to pursue income-oriented, and the income of the money fund is very low, basically the fund will not fluctuate greatly. For such investors, it is meaningless for the money fund to make a fixed investment.

Therefore, the point of view and demand are different, that is, there will be different views. When managing money, everyone can choose the right financial management from their own needs.