Fixed investment is a good long-term investment method, and it is also a common basic function of the fund industry at present, which can disperse the timing risk (timing risk is the risk of choosing investment opportunity).
However, the fixed investment of the fund can not avoid the inherent risks of fund investment, nor can it guarantee investors to get benefits, let alone the equivalent financial management method instead of savings. Therefore, the fixed investment fund has certain risks. I suggest you choose a suitable fund for fixed investment according to your risk tolerance.
From the probability point of view, if it can be sold at a high point, the performance of the fund's fixed investment income is much higher than that of one-off. If you invest for five years at any time, the fixed investment is better than one-off, but the advantages are limited. If you sell at a low point, the fixed investment will have a disadvantage.
Extended data:
Fixed investment is the abbreviation of fixed-term investment fund, which refers to investing a fixed amount (such as 500 yuan) in a designated open-end fund at a fixed time (such as the 8th of each month), similar to the bank's deposit and withdrawal method.
People usually refer to funds mainly as securities investment funds.
Automatic investment plan (AIP) is called lazy financial management, and its value stems from a saying circulating on Wall Street: "It is more difficult to step on the market accurately than to catch a flying knife in the air."
If you adopt the method of buying in batches, you will overcome the defects of buying and selling at one time, balance the cost and make yourself invincible in investment, that is, the fixed investment method.
Generally speaking, there are two ways of fund investment, single investment and regular quota.
Because of the low starting point and simple method, the fund is also called "small investment plan" or "lazy financial management"
"Compared with fixed investment, the one-time investment income may be high, but the risk is also great.
Because it avoids the influence of investors' subjective judgment on the timing of entry, the risk of fixed investment is significantly lower than that of stock investment or single fund investment.
The fixed investment of the fund is similar to long-term savings, which can spread the investment cost evenly and reduce the overall risk. It has the function of automatically increasing the price and reducing the price on dips. No matter how the market price changes, it can always get a relatively low average cost. Therefore, regular fixed investment can smooth the peaks and valleys of the fund's net value and eliminate market fluctuations.
As long as the selected funds grow as a whole, investors will get relatively average returns without worrying about the timing of entering the market.
Suitable for long-term investment
Because the regular quota comes into the market in batches, when the stock market is consolidating or falling, because the regular quota is undertaken in batches, you can buy more and cheaper, and the return on investment after the stock market rebounds is better than that of a single investment.
For the China stock market, it should be a volatile upward trend in the long run, so regular quota is very suitable for long-term investment and financial planning.
The survey results of investors in Taiwan Province Province show that about 30% investors choose the way of regular fixed investment funds.
Especially in the 3 1-40 age group, as many as 36% people are engaged in this investment.
The survey of investors' satisfaction with investment tools shows that the satisfaction of investors who buy and sell Taiwan Province stocks is 39.5%, that of investors who buy Taiwan Province funds alone is 55%, that of investors who invest in overseas funds alone is 52.5%, and that of investors who invest in fixed funds regularly is as high as 53.2%, which further shows that investors prefer low volatility and pursue long-term stable value-added investment and financial management methods.