The effect of fixed investment needs to be seen in the medium and long term, but fixed investment does not mean that you will not lose money. How long is the medium and long term? Time is no reason for self-paralysis.
In 2008, there was an article entitled "We have all been dead for a long time", which discussed the fallacy of long-term investment, and some of its viewpoints were very thought-provoking.
Long-term investment is not a reason to persuade investors to stay in the market.
For investors, regardless of macroeconomic changes, corporate texture and its fundamentals, regardless of the valuation level, blind and generous investment, even if it is held for a long time, can not make a profit.
It is debatable for fund companies to recommend all funds to all investors on any occasion and at any time.
Fixed investment of funds is not a method suitable for any time, any market or any product.
Even if long-term investment is the premise of winning, the more important premise is that the medium and long-term market is upward and the variety you choose is worth investing, otherwise it may be empty in the long run.
Imagine that if the starting point of fixed investment is 6000 points, it is estimated that there will be no positive income for many years.
In the fixed investment, there are also some too negative comments circulating on the Internet, such as the ten-year fixed investment losing, and its judgment is biased.
Haitong Securities Fund Research Center has calculated carefully. Taking Shenzhen Stock Exchange as an example, it is assumed that investors invest in the index once a month, from June 65438+ 10 to June 20 165438+ 10 (calculated by rolling month), and the annualized income of one year, three years and five years is arbitrarily fixed.
Fixed investment funds invest in batches, and calculate the internal rate of return considering time value and the simple rate of return without considering time value respectively. Judging from the average annualized rate of return, whether it is fixed for one year, three years or five years,
The average simple rate of return without considering the time value of capital investment is between 10- 13%, while the average internal rate of return considering the time value of capital investment is as high as 20-28%, and its income is obviously higher than that of bank deposits.
In the market, there are many funds that have been established for more than five years, and their cumulative compound income exceeds 400%, which is by no means comparable to fixed deposits.
So for investors, the most important thing is to make sure that what you invest is really worth investing for a long time. If it disappoints you again and again, you can only abandon it.
Secondly, reduce the expected return of long-term investment, and don't deify the average return of long-term investment. The double return rate in the bull market can't be used as a reference for the future. After all, the market is once in a hundred years in 2007; Finally, reasonably plan the investment period and investment funds.