Introduce fixed investment
Fixed investment is the abbreviation of fixed-term investment fund, which refers to investing a fixed amount (such as 200 yuan) in a designated open-end fund at a fixed time (such as every Monday), similar to the bank's deposit and withdrawal method. The funds here mainly refer to stock funds, bond funds and monetary funds, which are not suitable for fixed investment.
The fixed investment of the fund is called lazy financial management, and its value stems from a saying circulating on Wall Street that it is more difficult to step into 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.