What are the risks and benefits of regular fixed investment funds?
The risk of fixed investment is smaller than that of subjective investment, because it disperses the risk well and has great benefits. For example, Bo Shi Yufu, which I invested in, is an index fund. In 2005 1 month, I started to invest regularly 1400, with the lowest drop to 980, but I also earned 20% in May this year.
The characteristics of the fund's fixed investment:
1, average cost, risk diversification
It is difficult for ordinary investors to grasp the right investment opportunity in time, and they often buy at the high point of the market and sell at the low point of the market. The fixed investment mode of the fund means that the funds are invested on schedule and the input cost is relatively average.
2. Suitable for long-term investment
Because the regular quota comes into the market in batches, when the stock market is consolidating or falling, because the regular quota is undertaken in batches, you can buy more and cheaper, and the return on investment after the stock market rebounds is better than that of a single investment. For the China stock market, it should be a volatile upward trend in the long run, so regular quota is very suitable for long-term investment and financial planning.
3. It is more suitable for investing in emerging markets and small equity funds.
For emerging markets or small equity funds with large fluctuations in medium and long-term fixed investment performance, because the stock market callback time is generally long and slow, but the rising stock market rises rapidly, investors can often accumulate more fund shares when the stock market falls, thus obtaining better investment returns when the stock market rebounds.
4, automatic deduction, simple procedures
Which fund is better at present?
If you are optimistic about the China stock market, then choose partial stocks or index funds. In the long run, stock funds have large fluctuations and large returns, so it is more appropriate to invest regularly. As the fund is an investment, as long as it is an investment, there are risks, so please think carefully before choosing which fund to invest in.
What funds does ICBC have for fixed investment?
The funds that ICBC can invest regularly are 12, with the minimum investment starting from 200 yuan. It can be set for 3 or 5 years and can be cancelled at any time. ：
20200 1 Southern Steady Growth Fund, 040002 Huaan China A-share, 16 1604 Rongtong Shenzhen Stock Exchange100,255010 Guolian Desheng Steady,
27000 1 Guangfa Jufu, 3 10308 Shenwan Paris Li Sheng Select, 48 100 1 ICBC Credit Suisse Bank Core Value, 270002 Guangfa Steady Growth,
16 1605 Rongtong Blue Chip Growth, 32000 1 Nuoan Balanced Fund, 050004 Bosera Select Fund, 20210/Southern Baoyuan Bond Fund.
ICBC's planned deduction time
From the second month after the investor started the "fixed investment" business, ICBC began to deduct money from the fund account designated by the investor at 1 every month. If the account balance is insufficient, the ICBC banking system will automatically continue to deduct the money the next day.
What funds does CCB have for fixed investment?
At present, there are 63 funds sold by China Construction Bank, of which 43 have applied for fixed investment subscription. For the varieties that can be used for fixed investment, the minimum amount of each fixed investment is mostly 500 yuan. You must apply for a fund (minimum 1000 yuan) to make a fixed investment.
What funds are there in the Agricultural Bank Fund?
Agricultural Bank of China only started to push the fund's fixed investment business in 2007, and every month 1 25 can be used as an appointment date; The initial amount is low, and the minimum monthly investment is 100 yuan. At present, there are 29 funds of 8 companies including Changsheng, Dacheng, Guo Fu, Cathay Pacific, Huaxia, Bank of Communications Schroeder, Jing Shun Great Wall and TEDA ABN Amro.
Which funds entrusted by BOC can be fixed regularly?
Harvest Growth/Growth/Steady/Bonds/Services/Ultrashort/Theme Selection Dacheng Blue Chip Yifangda Steady Growth/Strategic Growth/Strategic Growth No.2/Positive Growth/Monthly Income A Yiji Currency ABN Amro Cai Xiang Jing Shun Dingyi/BOC China/BOC Growth/BOC Currency/BOC International Income/Yin Hua Quality Growth/Golden Eagle Optimization/China Merchants Pioneer/Jing Shun Stock/Jing Shun Bond/Jing Shun Balance/Thai Trust Daily Income.
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