Sign a withholding agreement with the fund trading channel, and automatically deduct money from the account regularly to invest in a fund's wealth management, so as to achieve the purpose of accumulating costs for a long time and enjoying the benefits of the financial market. Once the agreement is signed, it is enough to ensure that there is a full deduction in the account.
Term refers to a fixed date, usually a certain day of each month (1-28), and quota refers to a fixed amount, such as 500 yuan, used to purchase designated funds.
The fixed investment of the fund should be determined according to its own plans and goals, such as getting married and having children and saving money for children's education. Fixed investment without goals is easy to give up. In addition, the fixed investment amount of the fund is not good enough, so it is recommended not to exceed 20% of the monthly residual income. For example, if someone's monthly income is 10000 yuan, and he pays the rent and spends 2000 yuan every day, the amount of fixed investment should not exceed that of 400 yuan, otherwise it is easy to give up halfway because of great pressure.
Choose the fund type according to the time of fixed investment. For long-term fixed investment, you can choose a hybrid fund. In the short term, it is recommended not to choose high-risk funds, but to choose bond funds at most.
Generally, online banking and official website, a fund company, are more likely to handle fixed investment. For long-term fixed investment, we must pay attention to reducing transaction costs as much as possible. It is suggested that the fixed investment should be handled through direct sales channels, and the idle funds should be bought into the money fund first, and then the money fund should be selected from the fund source options when handling the fixed investment, so as to maximize the utilization rate of funds.
In recent years, the fund has launched many innovative forms of fixed investment, such as shortening the fixed investment cycle to weekly, irregular fixed investment and trend fixed investment. Compared with the traditional fixed quota, it has more advantages.