As the saying goes, there is no best way to invest, but there must be something suitable for you. For most people, investment is always an eternal and flexible topic, and what suits them is the best.

Look at the actual combat first: who is better to buy VS vote at one time? I believe many people will blurt out when they see this kind of problem, saying that it is definitely good to vote. Next, I'll show you a real case. Is it better?

A. Option 1: Fixed investment portfolio

As of February 4, 65438+, net value 1.4967, invested principal 72 100 yuan, profit 15430 yuan, and the actual rate of return was 25.8%.

B. Option 2: One-time warehouse purchase 1.

The principal is 654.38+10,000 yuan, which was 2065.438+065.438+0.4 in 2009 and 2975 points in Shanghai Stock Exchange. At present, 654.38+million yuan has been invested in Man Cang. It was not profitable before the bull market was overvalued, but the fund may be adjusted. By February 4, 65438+, the investment was 65438+ million, and the profit was 47990 yuan.

C. The third option: buy Warehouse 2 at one time.

The capital stock is firm, with a principal of 654.38 million yuan. The position was opened on August 7, 2020, and the Shanghai Composite Index was 3,354 points. At present, the position is 80%, which will be gradually added to Man Cang in the future.

It can be seen that in this year's rising market, the income from fixed investment is obviously not as good as that from one-time purchase, which is the first point I want to subvert your conventional understanding.

From the perspective of income, only in the market that falls first and then rises, the fixed investment has an advantage. In the volatile market and rising market, it is definitely a one-time purchase and the income is higher.

Second, it's a fact. According to the advantages and disadvantages of one-time purchase and fixed investment, I found that one-time investment at a relatively low point is much higher than fixed investment on a regular basis. If you are not sure whether you are at the highest point or the lowest point, you can open positions in batches.

Next, let's take a look at the advantages and disadvantages of buying in batches at one time.

When the market continues to rise:

One-time purchase can get higher income, but the cost of bulk purchase is getting higher and higher, which makes the final income lower.

When the market continues to fall:

Buying in batches can keep buying at a low point, effectively dilute costs and minimize losses. One-time purchase is at the highest point, which can not reduce the cost and will cause great losses.

In the turbulent market:

Buying in batches can continue to buy at a lower point, effectively reducing the cost of holding positions, and even if the market does not rise, it can achieve positive returns. One-time buying can't reduce the cost, and the market value fluctuates with the market, and the final market value is also neither loss nor profit.

Through the comparative analysis of the three market conditions, we find that:

When you buy in bulk:

A, avoiding the risk of buying at the highest point can effectively spread the risk and reduce the average cost;

B, suitable for those investors who have no large amount of money and continuous cash flow, but have weak risk tolerance;

C, when the market is undervalued, you can continue to buy, and you don't need to have high timing ability.

When you make a one-time purchase:

A, when the market continues to rise, you can get the maximum income;

B, the risk of buying at the highest point, especially in the falling market, will face huge losses and need to have strong psychological endurance;

C. One-time buying is suitable for investors who can accurately judge the market trend, have strong risk tolerance and have a large amount of funds.

It can be said that whether it is a one-time purchase or a batch purchase, it is just a buying strategy in the market. There is no difference between good and bad, only suitability. However, most investors do not have the ability to choose time and cannot accurately judge the market trend. Naturally, it would be better to buy in bulk.

Third, let's talk about it again. What kind of people are suitable for fixed investment or fixed investment? What is the right situation for me to vote? For example, when the year-end bonus is awarded every year, the company sends a large sum of money, and at this time, it can buy the fund at one time. In addition, if the current fund price is particularly low, you can also buy it at one time. This method is simple and rude, but it can be purchased in bulk. For example, the year-end award is 65,438+10,000, which can be divided into 10 times. When the market position is not high, you can buy 10000 every month, which means you can finish the bullets in half a year, and you only get a reasonable price.

So, what kind of person is the fixed investment suitable for? Ordinary office workers have a stable income every month, which can be used as a source of funds for fixed investment; There are also busy people like Ma Bao, who usually have no time to see the market. Choosing fixed investment as a strategy can save time and enjoy the return on assets.

Fixed investment seems simple, but it is actually a challenge to everyone's mentality, and the fixed investment cycle is long, and it usually takes three to five years to be more effective. Therefore, fixed investment is regarded as a kind of compulsory savings.

In short, based on the question raised by this netizen, I guess he should be a novice. When you are not sensitive to the market, you are afraid that you will not be able to step on it. It is recommended to choose a fixed investment. But in general, for this person with 400,000 shares, I suggest that it can be divided into two parts. You can buy a part at one time, first buy 20-40% of the bottom warehouse, and the rest is fixed investment.