1. It is very important to choose the right time for the fund's fixed investment. Although this sentence is more suitable for ordinary buying funds, it is easier to get high returns if the time is right. As you can see, I started to vote at the end of 20 1 1. At that time, the Shanghai Composite Index was around 2 100, and the stock market was in a depressed bear market period. If I insist on a fixed investment, I can get more low chips. Once the market starts, the income will be reflected immediately.

2. Be sure to stick to it. Fixed investment in funds is different from buying stocks, nor is it like buying funds at one time. It takes some time to get considerable income. In my opinion, the fixed investment plan must last at least 3 years to reflect the value of fixed investment.

3. Choose fund varieties with large fluctuations for fixed investment. There are many types of funds, and equity funds are the most suitable for fixed investment. Because stock funds fluctuate greatly, long-term fixed investment can share the cost, and the income will be greater when the market starts. I changed the stock fund into a bond fund on 20 12 and made a fixed investment for several months. After a long time, I redeemed it and there was no fluctuation. Risk is directly proportional to income, and stock funds fluctuate greatly, and the income will be higher.

4. Be prepared before the fixed investment. The preparatory work I said, first, is to find out what the fixed investment of the fund is (see the beginning of the article), how to do it, and where to do it; The second is to screen the varieties to be invested. The fixed investment of the fund can be done on a monthly or weekly basis, but it is generally recommended to do it on a monthly basis. For office workers, it is best to deduct money on the same day after paying wages. At present, I know that there are banks, securities companies, fund companies and some special third-party fund websites in official website. The principle of choice is how to save money (cost concessions) and how to come safely and conveniently.

Regarding the choice of investment varieties, index funds are recommended. Warren Buffett has repeatedly recommended index funds in public. Most ordinary investors are suitable for investing in index funds. Because index funds can exist forever and reflect the overall economic trend of a country, they have the advantage of long-term rise. This is what I learned after studying and researching, so I switched to index funds this year.

5. In the process of fixed investment, we should constantly sum up and adjust. For example, if you choose a promising fund to make a fixed investment, the market will be greatly adjusted in the middle. At this time, you don't have to buy in strict accordance with the prescribed time, you can buy more to reduce costs; When the increase is too large, it can also reduce the profit of buying lock. Specifically, profitability can be used to decide whether to increase or decrease the purchase share.

Profit rate is put forward by Graham, a famous value investment master. He used the profit rate to judge the value of the stock, and the profit rate = company profit/total market value of the company. If stock is regarded as a special wealth management product, the rate of return is the rate of return of this wealth management product, which can quantify the income of index funds.

The restriction on the use of profit is that you must invest in index funds of large companies, because the more stable the profit, the more effective it is. When the profit margin is high, the fixed investment will be much higher than the general fixed investment income when the profit margin is low.

6. Take profit in time. Although the fixed investment must last for a certain period of time, if you encounter a bull market, you can also choose to take profits in advance. For example, I started to vote on 20 1 1. If it was not for money, the appropriate profit-taking time should be in the first half of 20 15. You will ask how to judge when to take profit? If the rate of return is lower than 6.4%, you can consider taking profit.