In addition to monthly fixed deductions, the fund can also set daily, weekly and biweekly deductions. The general minimum investment is 100 yuan. Now many funds support 10 yuan, and the investment threshold is greatly reduced.
The fixed investment of the fund can effectively reduce our purchase cost, and because the date and amount are set, unless it is terminated, it is actually a mandatory savings plan, forcing us to make a good financial plan. It is regarded as an effective financial management method by many working-class people, but the fixed investment of the fund is not omnipotent, and it may also cause losses.
For example, after the fund's fixed investment starts, the market will bear market and gradually decline, and then the fixed investment will lose money. Although the cost of each purchase is decreasing, the market as a whole is going down, and the stocks bought before will be lost.
However, the essence of the fund's fixed investment is long-term persistence, and there is no market that only falls but does not rise. When the market starts to improve and gradually rises, the fund shares accumulated before will gradually exert their power. If the market returns to the original position of fixed investment, the income from fixed investment will be considerable. Therefore, the fixed investment of the fund must be adhered to, and the mentality should not be affected by short-term fluctuations.
In fact, from the long-term statistical data, it is not the most important to set when to deduct the purchase. In the long run, there is little difference between weekly deduction and monthly deduction. The most important thing when making a fixed investment is to choose a high-quality fund. Although the index fund tracks the index, it will not be affected by human factors. However, judging from the performance since the issuance of Public Offering of Fund in China, the annualized average rate of return brought by Public Offering of Fund to investors greatly exceeds the market average rate of return, which reflects the excellent investment level of professional speculative institutions.
What ordinary investors need to do is to strengthen their study, study the methods and skills of fund investment, and strive to find the most suitable method for their fixed investment, so as to achieve the goal of exceeding the average market income.