With the continuous improvement of people's wealth awareness, more and more people begin to pay attention to investment and financial management. As a long-term and steady investment method, the fund's fixed investment is welcomed by investors. So, how to carry out the fixed investment operation of the fund? How to calculate the yield of fixed investment? Let's take a look.
I. Operation Steps of Fund Fixed Investment
1. Choose a fund company: First, choose a reliable fund company to understand the risks and benefits of its funds, as well as expenses and other information. It is suggested to choose large institutions, such as Huaxia Fund and southern fund, and choose appropriate fund products according to their risk tolerance and financial management objectives.
2. Opening a fund account: After selecting a fund company, you need to go to a bank or fund company to open a fund account, and then conduct real-name authentication and other operations. After opening an account, you can choose a fixed investment fund product.
3. Select the fixed investment amount and frequency: The fixed investment amount and frequency are important parameters in the fixed investment operation. It is suggested to choose the appropriate amount and frequency in order to get better returns in long-term investment. Under normal circumstances, the amount of fixed investment can be flexibly adjusted according to its own economic situation, and the frequency of fixed investment is generally monthly or quarterly to ensure long-term and stable investment.
4. Fixed investment time: The fixed investment time is generally selected on a fixed date every month or quarter, so as not to forget the fixed investment in the busy life. It is recommended to choose the first day or the second day after the salary is paid to ensure sufficient funds.
Second, how to calculate the fund's fixed investment rate of return
When making a fixed investment, it is necessary to know its rate of return, so as to judge whether the expected income target can be achieved. There are two ways to calculate the return on fixed investment:
1. simple rate of return method: simple rate of return refers to the fluctuation range of fund shares in a certain period, and the calculation formula is: simple rate of return = (current net value-net subscription value)/net subscription value * 100%. By calculating the simple rate of return, we can understand the rise and fall of the fund.
2. Compound rate of return method: Compound rate of return is the total rate of return within a specified period, and the calculation formula is: Compound rate of return =[( 1+ single fixed investment rate) times fixed investment ]- 1. For example, Xiao Ming makes a fixed investment of 1 0,000 yuan every month. After 12 months of continuous investment, he invested a total of 12000 yuan, and the net fund value rose from 1 yuan to 1.2 yuan, with a single fixed investment yield of 20%. Then, Xiaoming's compound rate of return is [(1+20%)12]-1= 45.5%. By calculating the compound rate of return, we can know the total rate of return for a certain period of time.
In short, the fixed investment of the fund is a long-term and stable investment method. Choosing a reliable fund company, opening a fund account, choosing the appropriate amount and frequency of fixed investment and the time of fixed investment can achieve the financial management goal. At the same time, calculating the return rate of fixed investment regularly can keep abreast of the fund's ups and downs and provide reference for investment decisions.