Fixed investment fund refers to the investment method of regular fixed investment. Investors regularly invest in stocks, bonds, hybrid funds and other financial products according to a certain amount every month to obtain long-term investment income.
Second, how to choose a fixed investment fund
1. Determine the investment target. Before choosing a fixed investment fund, we must first make clear our investment objectives, which can be long-term wealth accumulation, short-term capital turnover or more income.
2. Determine the investment portfolio according to the investment objectives. Before determining the investment portfolio, you need to determine the investment portfolio according to your investment goals. If the investment goal is long-term wealth accumulation, you can choose more stock funds. If the investment goal is short-term capital turnover, you can choose more bond funds.
3. Determine the investment amount. According to the investment portfolio, determine the investment amount, generally in months, and the investment amount of each month should meet the investment amount requirements of each product in the portfolio.
4. Choose a fixed investment fund. Determine the fixed investment fund according to the investment amount, and choose the appropriate fixed investment fund according to the risk level and historical income of the fund.
Third, the advantages of fixed investment funds.
1. Fixed investment funds can effectively alleviate the investment pressure of investors. The investment amount of the fixed investment fund is fixed, which allows investors to invest regularly in the investment process, making it easier to control risks.
2. Fixed investment funds can take advantage of purchasing power parity effect. The investment of fixed investment funds is regular investment, and investors can take advantage of purchasing power parity effect. The purchasing power of purchasing funds will be higher than that of a single investment, so it is easier to obtain investment income.
3. Fixed investment funds can effectively improve the investment efficiency of investors. Fixed investment funds can effectively reduce investors' investment time, and investors can spend most of their time on other things instead of investing, thus improving investors' investment efficiency.
Four. Matters needing attention in fixed investment fund
1. Investors should invest carefully. Fixed investment funds have certain investment risks. Investors should be careful not to invest in projects beyond their risk tolerance.
2. To grasp the investment risk, investors should clearly understand the investment risk and investment strategy of the fixed investment fund before investing in it, so that investors can better grasp the investment risk.
3. Adhere to fixed investment. The investment principle of fixed investment fund is fixed investment quota. Investors must insist on fixed investment every month in order to obtain good investment income.
Verb (abbreviation of verb) investment strategy of fixed investment fund
1. Investors can adopt a "prudent" investment strategy, that is, control the proportion of stocks in the portfolio within 30% to ensure the controllability of investment risks.
2. Investors can adopt the "income-oriented" investment strategy, that is, control the proportion of stocks in the portfolio above 50% in order to pursue higher return on investment.
3. Investors can adopt a "radical" investment strategy, that is, control the proportion of stocks in the portfolio above 70% in order to pursue higher investment returns, but the risks are also higher.
Investment suggestion of intransitive verb fixed investment fund
1. When investing in fixed investment funds, investors should make clear their investment objectives and determine their investment portfolio, so that investors can better grasp the investment risks.
2. When investing in fixed investment funds, investors should adhere to the fixed investment quota, which is not affected by market fluctuations, and insist on a certain amount of gold every month.