How to vote for the fixed investment of the fund?
1 Choose a good platform to start our fixed investment plan.
There are two common channels for fund investment, including direct sales channels and consignment channels. The direct selling channel is the fund company's own sales channel. The disadvantage of direct selling channel is that the rate may be relatively unfavorable, generally only 40% off, and you can only choose your own fund products. Consignment channels can be subdivided into banks, securities companies and Internet platforms. Among the three consignment channels, the Internet platform channel has the richest products and the most favorable handling fee.
Choose a good fund as the target of fixed investment.
Generally speaking, we choose some investment varieties with large fluctuations to invest. Generally speaking, the small and medium-sized board is more active than the main board, and the active fund fluctuates more than the passive fund.
3. Determine the period of fixed investment.
For the same fund, the income gap between daily fixed investment, weekly fixed investment or monthly fixed investment is actually very small, and the annualized income gap is only a few ten thousandths. Under normal circumstances, we will choose a fixed investment every month.
4. Determine the fixed investment.
First, according to the long-term investment goal, according to the goal we set, roughly calculate how much money we need to invest every month to achieve the goal. If you buy a car in five years, you need 300 thousand. If calculated according to the annual interest rate 10%, how much money do we need to invest every month in these five years to ensure that the final total capital reaches 300,000? Third, use the reserve fund to make a fixed investment, that is, use deposits.
5 determine how long it is appropriate to make a fixed investment.
We have to solve the problem of how long it will take to make a fixed investment. Generally speaking, we need to prepare for investment for three to five years. The specific investment time needs to consider two points. On the one hand, we should consider and plan according to our own abilities and goals. On the other hand, we should pay attention to take profit and retreat according to market changes.
Will the fund lose money if it decides to invest?
Yes, the fund is not a capital-guaranteed product, and may lose its principal, which needs to be borne by investors themselves. When the net value of the fund is lower than the net value of investors' positions, losses will occur. Conversely, when the net value of the fund is higher than the net value of the investor's position, it will gain income.
The above is the introduction of the steps of the fund's fixed investment. The operation of fund fixed investment is quite simple. The fund's fixed investment focuses on long-term investment. Among them, the fund must have certain fluctuations. Everyone should grasp their own mentality, adhere to the fixed investment, and at the same time make appropriate profits.