2. There are two ways to operate the fund's fixed investment, namely, single investment and regular quota. Because of the low starting point and simple method of the fund's "fixed investment", it is also called "small investment plan" or "lazy financial management". Compared with one-time purchase, the fixed investment adopts the method of opening positions step by step, which disperses the investment risk; At the same time, investors don't have to worry about the time of entry, which solves the headache of timing, which is considered by many investors as a "lazy investment" way.
3. Fixed investment skillfully takes advantage of the advantages of gradually opening positions, which is mainly reflected in buying more chips at the low position and buying less at the high position to reduce the cost, thus achieving the effect of gathering sand into a tower and gathering less sand into a tower. A "smile curve" is often used to show the process of fixed investment from start to profit. 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.
1. Are bond funds and money funds suitable for fixed investment?
It is best to choose a fixed investment fund with relatively large price fluctuations. Fixed investment has always been an investment tool to smooth price fluctuations, but some people choose to invest in bond funds and monetary funds, which have small fluctuations and it is meaningless to invest in debt-based or goods-based funds. In the unilaterally rising bond bull market, if you want to get high returns, you must choose a one-time investment. Therefore, it is necessary to choose a fund with large fluctuations for fixed investment. There are many types of funds, so it is recommended to choose partial stock funds or index funds with large fluctuations for fixed investment.
Two, before the fixed investment, you can examine the cumulative net growth rate of the fund. Fund cumulative net growth rate = (cumulative net share-unit face value) ÷ unit face value. Or examine the dividend ratio of the fund. Fund dividend ratio = accumulated fund dividend amount ÷ fund face value.