Fixed investment is the abbreviation of fixed-term investment fund, which refers to investing a fixed amount in a designated open-end fund at a fixed time, similar to the bank's zero deposit and withdrawal method. People usually refer to funds mainly as securities investment funds. Today, Bian Xiao will share with you the lazy investment: the fund will vote, for reference only!

What is the fixed investment of the fund?

Fixed investment is the abbreviation of fixed investment fund, which means to invest a fixed amount in a fixed fund at regular intervals. With the fixed investment of the fund, investors do not need to choose the opportunity to enter the market from time to time, but only need to set the amount, investment time and target of each investment in advance, and then invest on time as planned, and can also apply for suspension or redemption at any time during the period. The principle of making money by fixed investment is to share the cost equally by using the average cost method, and to make money by persisting in fixed investment for a long time and using the effect of time compound interest. The fixed investment of the fund has the characteristics of low participation threshold, convenient operation, diversified risks and flexible investment, which avoids the difficulties of individual investors in choosing stocks and timing when investing in the stock market, and also avoids the problems of lack of professional knowledge or limited funds.

What are the advantages of the fixed investment of the fund?

The time, amount and capital of this investment method are all set in advance. Its advantages are:

First of all, the fund will use the discipline of time in exchange for investment space, so as to avoid fear or greed when investing affecting investment decisions and accumulate wealth more effectively.

Second, it is difficult for ordinary investors to grasp the right investment opportunity in time, and they may often buy at market highs and sell at market lows. The average cost investment method can avoid the risk of short-term band and the trouble of chasing up and down.

Third, the fixed investment of the fund can extend the term of the investment fund through phased investment, effectively share the cost and reduce the risk to a certain extent, which is suitable for medium and long-term financial management.

Who is the fund suitable for?

The first category is people who lack enough time or professional knowledge to study the market. The time, amount and funds of fixed investment are all set in advance. For investors who lack enough time or professional knowledge to study the market, fixed investment saves time and effort, and at the same time, they can get good investment income in long-term investment.

The second category is people who are afraid of high fluctuations in investment and hope to have a certain income. Fixed investment adopts the method of buying in batches, which overcomes the defect of buying at only one time point, can balance the cost more effectively, reduce the investment risk, and does not miss the opportunity when the market rises.

The third category is people who are easily influenced by market sentiment. Individual investors are easily influenced by market sentiment in the investment process. Some investment behavior deviations, such as herding effect and disposition effect, may make investors ignore market risks or miss good investment opportunities. There is no need for human intervention in the process of fixed investment, which greatly reduces the negative impact of investment behavior deviation on investment.

The fourth category is people who have a fixed salary every month. On the one hand, you can plan and arrange your income reasonably by investing a certain amount of money every month or every period of time to avoid excessive consumption; On the other hand, if you insist on fixed investment for a long time, you can generally get a certain investment income and realize the preservation and appreciation of wealth.

Which funds are suitable for fixed investment?

Not all funds are suitable for fixed investment. For example, the fluctuation of money funds and bond funds is very small, so you can buy them directly at one time without long-term fixed investment. Funds suitable for fixed investment generally have the following characteristics:

It fluctuates greatly. Generally speaking, volatile funds are suitable for fixed investment, such as index funds and equity funds. The greater the fund fluctuation, the more smooth the cost through fixed investment; When the market goes up, the fund with large fluctuation gets relatively high returns.

The valuation is low. It is not good to choose only funds with large fluctuations. When a fund decides to choose a target fund, it must pay attention to valuation. At present, the mainstream selection method is PE valuation based on the index tracked by fixed investment funds. The lower the valuation, the more suitable for fixed investment.

What methods can the fund's fixed investment be divided into?

There are many methods of fixed investment, and three common methods are introduced.

First, the ordinary fixed investment method. It is a regular investment fund. Every time (monthly, weekly, etc.). ), invest a fixed amount to buy funds. At present, most funds support this fixed investment method, and you can set it in your familiar fund purchase channel. For ordinary investors, the "ordinary fixed investment method" is the most time-saving and labor-saving, and many a mickle makes a mickle, which disperses investment risks.

Second, the market value fixed investment method. The goal of the market value fixed investment method is to increase the market value of the fund by a fixed amount every month. This is a little hard to understand. For example, if you decide to invest in Fund A on a monthly basis, you will invest 65,438+0,000 yuan in the first month. According to the market value investment method, you must double the market value of the fund every month, so the market value of the fund will reach 1 000+ 1 000 = 2,000 yuan in the second month and 3,000 yuan in the third month. However, if the market value of the fund rises to 1.600 yuan after the first month of subscription, then the second month of subscription only needs to buy 2000- 1.600 = 400 yuan. If the market value of the fund falls to 800 yuan, you need to buy 1200 yuan the next month. In other words, the amount to be invested in the fund in each period is closely related to the current market value of the fund. If the fund falls, you need to invest more money. If the fund goes up, you can reduce your investment. The advantage of the market value fixed investment method lies in the practice of the investment principle of buying low and selling high.

Third, the exponential moving average method. It is to judge the high and low points of the market by comparing the relationship between the index closing price and the index moving average, so as to achieve "more investment at low points and less investment at high points". For example, taking 3300 points as the benchmark index, when the index is higher than the benchmark, less investment is made in the basic deduction; When the index is lower than the benchmark, more investment is basically deducted. The exponential moving average does not need to be calculated by itself, and ordinary market software has the function of extracting the exponential moving average. What is the average value generally chosen? Short-and medium-term moving averages are more sensitive and can reflect the trend changes of the index in time, but they can't divide the index into relatively high and relatively low regions from a relatively long-term perspective like long-term moving averages. Therefore, the 180, 250 and 500-day moving averages can be integrated for reference.

How to make a fixed investment plan for the fund?

To formulate a suitable fixed investment plan, we must first ask ourselves three questions: First, how long are we willing to hold it? Second, what is the expected rate of return? Third, how much can you afford to lose? After knowing the three questions, let's look at the five important elements of fixed investment.

First, enter a time point. Fixed investment is to obtain long-term benefits by balancing costs. Its advantage is that we don't have to accurately predict market trends. In the actual investment process, it is often difficult for us to accurately judge the future ups and downs of the market, not to mention the high and low points of the market. So there is no need to deliberately choose the timing.

Second, the timing of profit taking. There is a proverb in the stock market: "Those who can buy are apprentices, and those who can sell are masters". For fixed investment, there are generally the following methods to stop profit and lock profit: (1) exponential interval method. Set the target range, for example, judge that the index will move in a certain range in the future, continue to vote below this range, and redeem the take profit above this range. Of course, it is also possible to judge whether the point of the current index has reached a historical high by the PE percentile (the PE of each day in history is sorted from small to large, and the historical ranking of PE on the current trading day/historical total data × 100%= historical percentile). If the profit-taking operation can be carried out when the historical percentage of PE reaches 80%, there is a greater probability of completing the income lock near the high point of the market. (2) Target income method. It is to set a long-term profit target and make profits in batches or at one time after reaching the predetermined target. (3) Rolling take profit method. If you achieve a small goal, you will make a profit. You can redeem each "wave peak" (or relative wave peak) and start a new round of fixed investment. No need for long-term judgment, simple and easy.

Third, the frequency of deduction. According to the calculation, the choice of fixed investment frequency has no obvious influence on the fixed investment income. In the long run, monthly fixed investment, biweekly fixed investment and weekly fixed investment are almost the same rise and fall. The biggest difference is that weekly fixed investment is more sensitive to short-term fluctuations than monthly fixed investment. Specifically, it will rush to a higher position at the peak of the bull market and fall to a lower position in the bear market.

Fourth, the amount deducted. Everything is pursued with great enthusiasm, but it is not appropriate to make a fixed investment. There is no strict discipline and planning in the fixed investment. The blind pursuit of high in the early stage leads to insufficient funds in the later stage, and the fixed investment is unsustainable and fails.

Fifth, optimize the fund. There are two criteria for optimizing funds. One is good long-term performance. One-time investment, the fund with good performance has higher income, and the same is true for fixed investment. The second criterion is the high volatility of net assets. The fluctuating market has a more significant impact on the average cost, which means that when the bull market comes, the income will be higher.

What if there is a loss in the fund's fixed investment?

No matter which investment method, there are certain investment risks. Relatively speaking, the fixed investment method has a certain smoothing effect on the investment cost. When there is a loss in the fixed investment, if the market continues to fall, sticking to the fixed investment can continuously absorb low-priced chips, thus reducing the overall cost of opening positions in the portfolio. Generally speaking, the fixed investment of the fund is a relatively stable medium-and long-term investment method, but it is still impossible to avoid the impact of short-term market fluctuations on the return of the portfolio. Investors should adjust their fixed investment strategy according to their actual situation and judgment.

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