Let's share with you the method of fixed investment.
Finally, the article will introduce which method is more suitable for us in actual investment and how to operate it.
Regular fixed investment is the most common fixed investment.
For example, "monthly investment 1 is 1000 yuan" is like this.
superiority
This method has the advantages of simplicity and convenience.
disadvantaged
However, the disadvantage is that due to inflation and other reasons, in the long run, the fund share bought by this fixed investment method will be less and less.
For example, in 2000, one month's investment in 500 yuan was already high for many people. But now, the wage figures have increased, and one month's investment in 500 yuan is not enough.
Due to the defects of regular fixed investment, we can use the method of "regular fixed investment" to expect better returns.
The core idea of fixed investment is usually: buy more if you fall.
There are many specific methods for fixed investment, such as:
Intelligent fixed investment: a fixed investment method based on moving average;
Average strategy: regular fixed investment method based on market value;
Fixed investment strategy: Fixed investment method based on valuation.
When buying funds on some platforms and setting rules for fixed investment, you may see options similar to "smart fixed investment".
If checked, the amount of automatic fixed investment will be dynamically adjusted according to market conditions.
In most cases, this fixed investment method refers to the moving average.
The so-called moving average is a curve drawn by the average price over a period of time.
For example, the "500-day moving average" is the average price of the last 500 trading days.
Conventional quota based on moving average, namely:
If the current price is higher than the average price in the past, it will be less. And the higher the range, the more the fixed investment will be reduced;
If the current price is lower than the average price in the past period, it will invest more. And the lower the range, the more the fixed investment will increase.
superiority
This method is effective in itself, because it reduces the fixed investment after the rise and increases the fixed investment after the fall.
disadvantaged
But in this way, the varieties suitable for it are limited.
Most platforms usually refer to the historical data of major broad-based indexes such as Shanghai and Shenzhen 300, CSI 500 and GEM.
If it is other indexes, the trend is not exactly the same as that of Shanghai and Shenzhen 300 and CSI 500, and there will be errors.
Average strategy, that is, regular quota based on market value.
Simply put, it is to set a market value growth rate for the index funds in hand.
This growth rate can be set as how much yuan to increase every month or how much percentage to increase every month.
For example, the goal is "to ensure that the market value of the fund in my hand will increase by 1000 yuan per month".
In the first month, 1000 bought a fund.
The market fell in the second month, and only 950 yuan was in the fund account.
According to the plan, you need to hold a fund of 2000 yuan in the second month. So you can't invest 1000 yuan, you need to invest 1050 yuan.
In the third month, the market rose and the capital account became 2 100 yuan.
According to the plan, you need to hold a fund of 3000 yuan in the third month. So we just need to vote for 900 yuan this month.
superiority
This fixed investment method is more suitable for accumulating wealth for a certain goal.
For example, if we want to buy a house in 10, we can set a fixed investment plan according to this idea.
disadvantaged
However, there is also a disadvantage: if the stock market falls, you need to take out a large sum of money to cover your position in a short time.
For example, the investment is 1 10,000, and the target for next month is10/10,000.
However, in a short time, the stock market fell by 30% and the market value of the stock became 700,000.
If you want to achieve the goal of 10 1 10,000 next month, you need to take out 3 1 10,000 at one time.
This is not realistic for many people.
Therefore, in actual investment, when you make a fixed investment in this way, you often set a maximum amount each time.
For example, when you need to make up more than 10 thousand, you can only make up 10 thousand at most.
Generally speaking, the lower the valuation, the higher the investment value of the fund.
For example, the market is 4 -5 stars, which is a better stage.
Fixed investment strategy, on the basis of valuation, to achieve regular fixed investment.
First of all, based on the relationship between price and value, when the price is lower than the value, that is, when it is undervalued, we will make a fixed investment.
Furthermore, with the valuation, the more you underestimate, the more you buy when you make a fixed investment, and the income will be further improved.
superiority
This method has been practiced with screws for a long time.
Yes
On the one hand, the cheaper you buy, the more you underestimate, and the better the long-term return.
On the other hand, low-value fixed investment also greatly reduces fluctuations and is easier to adhere to.
_ disadvantages
But the disadvantage of this method is that it needs to learn and master the investment value of the fund. There is a certain learning threshold.
But as long as through a certain degree of study and practice, the effect of fixed investment after entry is still good.
Therefore, the fixed investment strategy of valuation will help us. The more we underestimate the investment, the more we will improve the long-term return on investment.
At present, our portfolio adopts the fixed investment strategy of valuation, based on the fixed investment quota of valuation.
How to achieve it specifically?
Take the initiative to optimize the portfolio as an example. In the scheduled departure article every Tuesday, the screw will give the departure reference number.
The quota strategy based on valuation is adopted. The lower the valuation, the more money.
Everyone can make a fixed investment according to their own funds and a certain proportion.
For example, if you can spend about 1 1,000 yuan per week to make a fixed investment, then you can invest according to 10% of the reference amount.
In this way, we can copy the effect of periodic and irregular quota, and also save the process of calculating the quantity ourselves.
More worry and effort ~
PS: Friends who are interested in index funds, welcome to read the investment guide of index funds and the financial freedom of fixed investment for ten years.
Related questions and answers: How much can I earn by investing 100 every month? Does it make sense to vote 100 every month? Fund fixed investment, also known as lazy investment, can be fixed investment on a regular basis. Investors can automatically deduct money as long as it is set up, which is very convenient. So how much can they earn by investing 100 a month? Does it make sense to vote 100 every month? I have prepared relevant contents for your reference. How much can I earn by investing 100 every month? How much you can earn by investing 100 a month mainly depends on the rate of return. The higher the rate of return, the more you earn. If the rate of return is low, you will earn less. Assuming that the rate of return is 3%, if you invest 100 yuan every day, it will be 10000 yuan a year, and the income you earn is still considerable. However, it should be noted that funds are risky, and they can't determine returns like deposits, so they can only be explained in a hypothetical way. Does it make sense to vote 100 every month? Fixed investment of the fund is a long-term investment method. If the monthly investment is 100 yuan, the investment cost of 1 year is 1200 yuan, and the five-year principal is 6000 yuan. If the annualized expected rate of return of fixed investment is 8%, the expected principal plus expected income after five years is about 7000 yuan, and the fixed investment is 1 year. From this perspective, it is definitely meaningful, but it should be noted that funds are risky, so before making a fixed investment, we must choose a good fund to make a fixed investment. If you choose a fund, you may lose money. The above is the knowledge about "how much can I earn by investing 100 every month".