Generally speaking, the fund's fixed investment is more suitable for working-class people with low risk tolerance, young people who have just started working, and middle-aged people with specific financial goals (such as children's education funds and pension plans). Experts suggest that investors can plan their fixed investment according to the actual situation and goals. For example, if you buy a car or a house, you can choose to invest in ICBC for three to five years. If you prepare education funds and provide for your children, you can choose a longer fixed investment period.
For example, investors decide to invest 10000 yuan in a fund. According to the regular quota plan, investors can invest 1000 yuan per month, totaling 10 months. You can also invest in 200 yuan every month for 50 consecutive months.
Different from single investment, fixed-term investment funds have a low starting point and do not increase the economic burden; Automatic monthly deduction has the effect of compulsory savings and accumulates funds for investors; If you persist for a long time, you can still get compound interest income.
Regular fixed investment can effectively spread investment risks. When the net value of the fund rises, the fund shares bought are less; When the net value falls, you buy more stocks. In this way, "buy less when going up and buy more when going down" can effectively reduce the investment cost in the long run, and investors don't have to go to great lengths to choose the right investment opportunity.
Similar to the "lump sum deposit and withdrawal" method used by depositors, the fixed investment of funds is as convenient as "lump sum deposit and withdrawal", but obviously the income is higher and more flexible. With the fixed investment of the fund, investors can plan their own and family members' financial goals such as education, pension and housing. Take ICBC's current fund investment as an example. If investors use 1 1,000 yuan in lump sum every month, the principal and interest will be 64,392 yuan after five years according to the current bank interest rate. In the same time, if they invest the same money in a fund, the annual income is 17 1 yuan. It can be seen that as long as it is accumulated for a certain period of time, the fund's fixed investment will bring the compound interest effect to the extreme, so that investors can get considerable benefits. In the current period of stock market adjustment, the fixed investment of the fund is a good choice. At present, the minimum investment quota of ICBC's fourth fund is still 200 yuan, and the threshold is very low.
Adhere to the fixed investment of the fund, and the proceeds can be used as the down payment for buying a house and a car in the future, and can also be used as a reserve for marriage. In the long run, investors can even use it to prepare for their children's education funds and their own pensions.
What are the advantages of fixed investment funds?
First, invest regularly, every little makes a mickle. According to your income level and financial planning, the amount of a fixed investment ranges from several thousand yuan to several hundred yuan. However, in the long run, purchasing funds through the fixed investment plan and increasing the investment value can "accumulate sand into a tower" and accumulate a lot of wealth unconsciously.
Second, automatic deduction, simple procedures. Go to a fund agency, such as a bank, and go through a one-time procedure. In the future, the subscription will be automatically deducted.
Third, the average cost and spread risk. Regular fixed investment because the monthly investment amount is fixed, when the net value of the fund rises, the fund share bought is less; When the fund's net value falls, it will buy more funds, naturally forming an investment strategy of "lightening positions on rallies and increasing positions on dips", obtaining average costs, avoiding the trouble of choosing investment opportunities and diversifying investment risks.
We should also pay attention to the following two points through regular fixed investment funds:
First, it needs long-term persistence. Especially in the case of market fluctuation or even decline, this is to provide you with a time to inhale more chips on dips.
Second, we should do what we can. The money used for regular investment every month must not affect your normal life. Don't set an unbearable investment quota, which will burden your daily life.