The fund is a risky investment. You can make money when the market is good. You may lose money when the market is bad. Should the fund take it out when it makes money? Can the fund be withdrawn at any time? Bian Xiao has prepared relevant contents for your reference.

How to calculate the fund's fixed investment income?

The calculation formula is: the income from fixed investment of the fund = (net fund value-average cost) × holding share, where average cost = total investment/total share, and fixed investment share = fixed investment amount/net fund value.

For example:

For example, Xiao Wang buys a fund of 10,000 yuan every month on 1 0, and makes a fixed investment for 2 months. The net value of the fund at the time of redemption is 1.5 yuan. The net fund value in the first month is 1 yuan, and the net fund value in the second month is 2 yuan. Then when the net value of the fund is 1.5 yuan, the income is (excluding the handling fee):

Holding share =1000/1+1000/2 =1500 yuan average cost =2000/ 1500= 1.3.

So the income = (1.5-1.3)1500 =1800 yuan.

Because the fixed investment of the fund is bought in bulk every time, and the net value of the fund is different every time, it is best for investors to calculate the income according to the average cost.

What is the fixed investment of the fund?

The fixed investment of the fund is to buy the fund in batches at a fixed time and a certain amount, mainly through the platform to confirm the purchase share and the fixed investment time each time to ensure that the deduction amount is sufficient. After time, the system will automatically deduct the investment.

The advantages of the fund's fixed investment are:

1, regardless of time

Fund fixed investment is a relatively long-term investment product, and investors do not need to pay attention to market prices when entering the market.

Step 2 spread the risk

The fixed investment of the fund is a batch investment, and the cost of each investment is different, high or low. For a long time, the cost has been well averaged, reducing and dispersing investment risks.

3. Convenient procedures

When making a fixed investment, investors only need to set the time and amount of the fixed investment for the first time, and then they will automatically deduct the investment at the specified time, as long as the deducted bank card has sufficient funds.

What is an index fund?

An index fund is a fund product that takes a specified index as the target and the constituent stocks of the index as the investment target, and builds a portfolio by purchasing all or part of the constituent stocks of the index to track the main performance of the index. Therefore, investors are advised to pay attention to the constituent stocks of index funds when choosing index funds.

For passively managed index funds, the rules of index funds are open and transparent. Index funds do not buy and sell stocks frequently, and the turnover rate and transaction cost are relatively low, and the investment cost is often not very high. Moreover, index funds will not invest too much money in a specific securities or industry, thus effectively dispersing risks and reducing overall fluctuations.

What are the characteristics of index funds?

1, with low investment cost.

Index funds are mainly indexes, which have little to do with the management of fund managers. The low price of index funds will also be the most common advantage and feature of index funds. The fees charged are mainly management fees, custody fees, redemption fees, subscription fees and so on.

2. Better spread risks.

Index funds are diversified investments, and the fluctuation of any single stock will not affect index funds, making them less risky. Moreover, because the index tracked by index funds generally has a long history, risks can be predicted to a certain extent, and preventive measures can be taken in time when changes occur.

3. Deferred tax payment

Index funds take the form of buying and holding, so the turnover rate is relatively low when holding funds, and investors usually sell their shares when redeeming them.

4. Less risk

Index funds are more suitable for long-term investment. Tracking the market index can avoid the risks brought by the judgment of some individual investors or fund managers.

What's the difference between index funds and stock funds?

1. Different investment methods: Equity funds are active funds, and optimistic funds can actively invest according to their own strategies. Index funds are passive funds, and the income mainly depends on the rise and fall of the index. Is to choose an index as an indicator. In order to make the fund get the same income as the index growth model, the relevant funds are purchased through the standard of index formation. Therefore, the flexibility of investment is far less than that of equity funds.

2. Income and risk are different: Generally speaking, the income and risk of equity funds are relatively high. On the one hand, equity funds aim to pursue long-term capital appreciation and seek rapid capital growth, thus bringing capital appreciation. Facing system risk, non-system risk and management risk. The stock itself is a high-risk investment, and the stock fund with the stock as the investment target is naturally more risky. On the other hand, when the stock market is not good, equity funds can actively avoid risks, and the income may be slightly better than that of index funds. The risk and return of index funds are relatively low compared with stock funds. The investment of index funds is to invest in stocks according to the distribution of relevant stock market indexes, so that the fund return rate is close to the market index return rate. It mainly includes opening positions, reinvesting and tracking adjustment. Generally, the index is selected first, then the portfolio is constructed, then the weight of the portfolio is adjusted, and finally the error is monitored and adjusted. After buying all the stocks of the underlying index, the return and risk of the index fund are lower than those of the stock fund after weighted average.

3. Different investment targets: stock funds refer to investing no less than 80% of fund assets in stocks, and there are various sectors for investing in stocks; Index funds will only invest in stocks in the corresponding sectors. For the CSI 500 Index Fund, if an investor buys this fund, it is equivalent to buying these 500 underlying stocks.

Should the fund take it out when it makes money?

If the fund makes money, you can consider taking it out, because the essence of buying and selling funds is to make money, not to say that you have been holding funds. If the fund is held for too long, it will be profitable. If the fund later withdraws, then the fund will lose the money it earned before. Therefore, the longer the fund is held, the better. The fund mainly earns the difference.

If you can't take profit, you can learn to set profit-taking points, such as 15%, 20%, 25%, etc. In this way, when a profit-taking point is determined and the fund reaches this point, you can consider redeeming the fund and let the money fall into the bag.

Can the fund be withdrawn at any time?

Open-end funds generally have no closed period and can be withdrawn at any time, but it should be noted that after the fund is redeemed, it will not arrive immediately, and there will be a process of confirming the share. For example, the fund belongs to the redemption system of t+ 1. Assuming it is redeemed before Monday 15:00, it will arrive before 24: 00 on Tuesday. If today is Friday,

If it is a closed-end fund, it cannot be taken out at any time, and it can only be operated when it expires or is open. Therefore, when buying a closed-end fund, you should see clearly how long the term is and make a good capital plan before buying it. As long as you don't need money, you'd better buy a fund.