1. "What is the purpose of investment? It is to live better in the future. "

Second, "What are the two major functions of fixed investment? One is to save children's education funds, and the other is to save their own retirement funds. " With a clear goal, what should I do next?

Fixed investment method:

1. Who is suitable for fixed investment?

1, with spare money to invest;

2. Admit that you can't grasp the high and low points of the market;

3. Willing to give up the possible overvaluation caused by a single investment.

4, high returns and high risks, and hope to have a relatively safe investment method;

5. Being able to bear the influence of payment and willing to continue to deduct money;

6. Prepare to invest for more than 3 years.

2. How much is the fixed investment?

Give a formula, namely (monthly income-monthly expenditure) ÷2. "For example, if you earn 8,000 yuan a month and spend 6,000 yuan a month, you can use 1 1,000 yuan to invest in the fund.

3. What kind of fund should I buy?

"Equity funds, the more active the fund, the better", because the biggest advantage of fixed investment is to enter the market in batches, diversify the investment cost, diversify the risk of buying high, and then use the relatively high point to make profits, so as to achieve the effect of "buying low and selling high". Therefore, if you want to find a high point to leave, of course, you should choose a volatile stock fund. "Bond funds are inefficient in fixed investment. If you invest in a very stable fund, the process is very comfortable, and there may not be many negative returns during the period, but the result is also very general. In pursuit of results, we must endure the process. " In addition, in product selection, Mr. Xiao suggested that investors should also have the concept of asset allocation. In addition to the A-share market, they can also focus on funds that invest overseas.

4. How to choose a good fund?

At present, there are more than 2,000 Public Offering of Fund in China, and there are 10 with the same investment theme. Investors are inevitably picky. See how Mr. Xiao chooses. Pay attention to the long-term performance of the fund, because the fixed investment is a long-term investment, and the short-term performance of the fund in 1, March and 1 year cannot be used as an evaluation standard. First find out the top 100 in the last three years, and then compare it with 1 year to select the top 50. Then compare it with the last six months, select 25, and then choose a good fund from these 25.

5. Is the fixed investment just to buy and not to sell?

Fixed investors must check their accounts in time. If the income has exceeded 30%, they can consider all clearance. However, the proceeds can continue to expand their fixed investment and realize "supporting capital with capital".

Specifically, the income and principal are divided by 3.

6, as the amount of money to be reinvested every month.

That is to say, if you have spare money of 360,000 yuan, it is more appropriate to take out 1 10,000 yuan every month. It is suggested that the absolute amount of fixed investment should not be too small. In this way, the snowball-like fixed investment income can be realized.

Why do you need to stop making profits? Teacher Xiao said that if the current A-share market is 3,000 points, the A-share market may still be 3,000 points after 10. Because the economic cycle is cyclical, it takes about 2 to 3 years to complete an economic cycle, and this time should appear.

When is the best time to take profit?

Time deposit can be regarded as an indicator. For a new investor who has just entered the market, the annual income of a fixed investment fund should be at least five times that of a fixed deposit. Judging from the current domestic one-year fixed deposit interest rate, the target income for one year is around 7.5%. If the investment is fixed regularly for two years, the set target income is 15%. If you don't achieve this goal, you must wait patiently.