Although the amount of fixed investment is not large, the accumulated assets should not be underestimated. After long-term investment, its profit will far exceed the interest income of time deposits. If you deposit it in 200 yuan every month for 30 years, if you deposit it in the bank, you will probably get 100000 yuan according to the current interest. Assuming that the annual return rate of the fund is 6%, it will reach 20 1907 yuan after 30 years, which is quite different.
Compared with one-time single purchase, the fixed investment of the fund can average the cost and spread the risk through multiple consecutive purchases. For example, if you invest in 200 yuan open-end funds every two months, the total investment after 1 year is 1.200 yuan, and the subscription price of each investment is 1 yuan, 0.95 yuan, 0.90 yuan, 0.92 yuan, 1.05 yuan and 65438 yuan respectively. Then the cumulative number of purchasable shares is 1222.4, and the average cost is 1 200 ÷1222.4 = 0.982 yuan, which is lower than the cost of investing 1200 yuan at the initial subscription price of1yuan.
Choose a good fund to do long-term work.
Although the fund's fixed investment operation is simple, there are still some tips for buying. First, choose the right fund varieties. Before buying, compare the products of several funds. First of all, understand the risk status of funds. Generally speaking, the risk of equity funds is greater than that of allocation funds. Then we need to observe the historical performance of the fund, especially in the downturn of the stock market. Generally, the future with good performance is more likely to win. In addition, to participate in the "fixed investment", we must be prepared for long-term investment. Data at home and abroad prove that the longer the investment time, the less likely the loss is.
The financial planner of Minsheng Bank believes that according to the characteristics of low investment threshold and low risk, people who have little monthly savings but have long-term financial needs, such as office workers with fixed wages, can consider fund investment.
Long-term investment returns are considerable.