What kind of fixed investment is suitable for long-term investment? Fund investment is no stranger to us, and it is called the most suitable investment method for funds. But not everyone is suitable for this kind of investment. The following is the fixed investment compiled by Xiaobian for you, which is suitable for long-term investment analysis. I hope I can help you!

Learn to snowball.

"Snowball" is a philosophy of life put forward by Buffett and a summary of his investment.

Find a high mountain where the snow is thick enough to make your snowball roll bigger and bigger in the snow.

To put it bluntly, it is to turn your small assets into big assets and precipitate enough wealth through long-term interest.

At first glance, it seems not difficult. After all, most people in the market are making profits and trying to accumulate wealth. But I found that many people are rolling "speed version" snowballs.

The "Extreme Edition" is mainly short-sighted. Most people only see the three-day ups and downs, and only pay attention to the three-day ups and downs.

If it doesn't rise for three days, it's ready to move and start selling;

Five days later, I began to complain, blaming the market and blaming the industry;

If the market "dared" to fall for two weeks in a row, the curse would have overturned the roof!

When it goes up, it goes up, and when it goes down, it runs away. Will be played around by the market and institutions, buy it on the head, and clearly cut it into leeks.

Many people think that they are precipitating wealth and accelerating interest, but in fact they are just addicted to chasing up and down! And I don't know yet!

I call this short-sighted suicide investment a snowball fight. I took a handful of snowballs (principal) and smashed them into the snow, hoping to get bigger snowballs and more principal when I pick them up the next second.

As we all know, the principal was smashed into the ground in an instant, and whether it can be recovered depends only on whether your hand is fast enough, that is, whether the stop loss speed is fast enough. It has nothing to do with investment factors such as market, industry, company and performance.

What is the real "snowball" wealth precipitation?

It is to look at stable medium and low-speed development and need long-term investment.

If your wealth goal is1100,000, plan the investment period 15 years, and deposit 2,500 yuan every month.

Advantages of regular fixed investment

1, invest regularly, every little makes a mickle. Investors may have some idle funds from time to time. By regularly planning to buy the target and increasing the investment value, they can "gather sand into mountains" and unconsciously accumulate a lot of wealth.

2. Do not consider the investment time. The key to investment is "buy low and sell high", but few people make a profit by grasping the best trading point when investing. In order to avoid this artificial subjective judgment error, investors can invest in the market through the "fixed investment plan", regardless of the market entry time, market price and long-term investment decision on its short-term fluctuation.

3. Average investment and risk diversification. The capital is invested in stages, with high and low input costs and relatively low long-term average, which maximizes the diversification of investment risks.

4. The compound interest effect is considerable for a long time. The income of the "fixed investment plan" is the compound interest effect, and the interest generated by the principal is added to the principal to continue to derive income. Through the effect of rolling interest calculation, the compound interest effect is more obvious with the passage of time. It takes a long time for the compound interest effect of fixed investment to be fully displayed, and it is not appropriate to terminate it casually because of short-term market fluctuations. As long as the long-term prospects are good, the short-term decline in the market is an opportunity to accumulate more cheap units. Once the market rebounds, long-term accumulated units can make a one-time profit.

How to invest in funds to make money?

1 Select the fixed investment target: The foundation for the fund to make money by fixed investment is based on a good fund. For us, choosing a good fund product is the most important thing. We need to screen and compare the historical performance, maximum retracement, position distribution, investment style, fund manager and other information of the fund to ensure that there is no problem with the fund.

2 determine the fixed investment cycle: for the fixed investment cycle, there are often daily fixed investment, weekly fixed investment, monthly fixed investment and irregular fixed investment. According to statistics, no matter how the market changes, the yield curves of daily fixed investment, weekly fixed investment and monthly fixed investment are almost similar, with little difference in income, and there will be no situation that the higher the frequency of fixed investment, the higher the income. Among them, the monthly fixed investment time is very suitable for the second or third day after the salary is paid, because it can help us to save forcibly and is suitable for friends who have weak self-control and like to spend.

Fixed-time investment refers to investors who choose to buy in the falling market instead of setting a fixed time, which is more suitable for investors who have a better understanding of the fund, have certain research, can pay attention to its market every day, and have certain time and energy.

3 Fixed investment amount: Assuming that the fixed investment period has been determined, the fixed investment amount must be fixed or not. The amount is easy to understand, that is, every investment is the same amount. If it is not fixed, you can increase the investment ratio when the market goes down and reduce the investment amount when the market goes up.

4 save the cost of fixed investment: if we can save more costs in the investment process, it is equivalent to an increase in our rate of return. Here, the transaction costs of the fund are reduced as much as possible, such as redemption fees, sales service fees, and trading commissions of the on-site funds. In addition, the correct choice of fund dividend method is also a skill to make our long-term income rise. Cash dividends can make us feel safe, which not only makes the floating surplus become real money, but also saves our redemption fee. If it is dividend reinvestment, then we can increase the fund share.

Although the dividend of the fund will be ex-dividend, that is, putting the money in the left pocket in the right pocket will not increase our income immediately, but the dividend will be made up after ex-dividend. As long as dividends are stable for a long time, the price drop caused by ex-dividend will be compensated, so it is a long-term positive for us.

5 Take profit in time: It is necessary to know that although the fixed investment of the fund is a long-term investment, there is also a time limit. We must learn to make a profit in the right position. Generally speaking, bull market and bear market are the best nodes for a long investment cycle, especially the China stock market is still in a short-term state, so it is necessary to find the right time to take profits when the bull market comes.

Where did the money go after the fund's fixed investment was terminated?

After the fixed investment of the fund is terminated, only the deduction of the fund is terminated, that is to say, the fund invested by the investor will no longer be deducted from the bank card account bound by the user, while the money previously invested in the fund is still in the fund account. After the investor sells or redeems the fund, the funds will be returned to the investor's bank card account. After all, the termination of the fixed investment of the fund does not mean the redemption of the fund.

In addition, after investors terminate their fixed investment, they are usually unable to redeem the previously invested funds. After all, the investment of the fund is also risky, and the redemption of the fund will generate a handling fee. Therefore, even if the investor terminates the fixed investment of the fund, there may be losses when redeeming the fund.

When investing in a fund, it is relatively simple to terminate the fixed investment of the fund. You can directly contact the company or bank with fixed fund investment and apply for terminating the fixed fund investment. You can also choose to transfer all the funds in the bank card account bound by the fixed investment of the fund. As long as the automatic deduction of fixed fund investment fails for three consecutive times, the fixed fund investment contract will be automatically terminated.