(1) Determine the fixed investment target. Knowing that there will be a large amount of capital demand in the future, planning in advance by means of regular fixed investment will not only cause your own economic burden, but also turn small monthly money into big money in the future. If I need 200,000 yuan to arrange my retirement travel after 10, then based on the annual return on investment 12%, I need to make a fixed investment every month, and this 200,000 yuan after 10 is the fixed investment target. If you have multiple financial needs, you can look for financial planning.
(2) Determine the fixed investment time. The fixed investment time of the fund can be divided into: the subscription time, that is, which day of the month is the fixed investment date, which can be determined according to everyone's habits and income; Fixed investment period, the fixed investment period can be determined as three to five years, but the shortest is not less than 1 year. Generally speaking, the longer the fixed investment time, the smaller the risk; The shorter the fixed investment time, the greater the risk, and the only way to reduce the risk is to extend the investment period. As for the timing of fixed investment, the 2007 China Financial Report issued by the Financial Research Institute of the State Council Development Research Center pointed out that since 2006, China has entered the golden age of 10. For investors, 10 will be the fastest time to increase the value of personal assets, and making fixed investment should start from now on.
(3) Determine the fixed investment target. When choosing fund companies, we should choose fund companies with strong strength, good governance structure and standardized management, such as Harvest and Huaxia. When choosing fund types, generally speaking, index funds should be selected for fixed investment of 10 years or more. The net value of such funds fluctuates greatly, and there are more opportunities to buy low-level chips, which often brings higher expected annualized income; Choose stock funds from 5 to 10; Choose a hybrid fund within 5 years. It can also be selected according to the customer's risk tolerance. Equity funds expect large annualized returns and high risks, followed by hybrid funds, and bond funds expect small annualized returns. When choosing fund products, we can compare the expected annualized income of the fund with the market trend. If the performance of a fund is better than the market index in the same period most of the time, then choosing this fund for regular fixed investment will have ideal risks and expected annualized returns. It can also be judged by a professional company with more than four stars.
(4) Determine the fixed investment quota. There is an algorithm in the United States, that is, the proportion of risky assets in the portfolio is equal to 100 MINUS your age. The assets invested by stock funds and hybrid funds can account for 50%~ 100% of family venture capital.
(5) Determine the redemption time.