Situation 1:
If the money you want to invest is almost the same as the salary balance and is paid regularly every month, then no matter what products you invest in, you can only use fixed investment. ? After all, you can't get your future salary in advance and buy it at one time.
In this case, fixed investment is a good choice, which can help you restrain consumption and cultivate investment discipline. It's a bit like when we were young, we put some steel balls in the pig's stomach every month, and now we change the money into a little stock or bond assets every month.
Situation 2:
On the other hand, if you have a lot of money on hand and want to invest, is it better to buy it at once or invest it in several months? ? This needs to consider the volatility of the product.
1. Can products with large fluctuations adopt fixed investment? For example, index funds, partial stock funds and equity-oriented fund portfolios. ? The perfect situation is to buy at a "low point", but most people don't have this ability, so they have to settle for the second best and choose to buy at a fixed investment to get an average cost.
2. However, for products with little fluctuation, fixed investment is not required. ? Imagine if you want to buy a bank deposit, how many times would you buy it? ? Obviously not. ? For products that make steady progress, the earlier the capital is invested, the more benefits will be enjoyed.
Taking the "all-weather strategy combination" as an example, we have made the following three kinds of purchase plan calculations:
From 20 19 1:？ First, a one-time investment of 40 thousand yuan; ? B, every biweekly fixed investment 1000 yuan, ***42 periods, with a total investment of 42,000 yuan; ? C, the monthly fixed investment is 2000 yuan, ***2 1, with a total investment of 42000 yuan.
As of September 30, 2020, there were three experimental accounts: A account was 50,608 yuan, B account was 47,403 yuan, and C account was 47,520 yuan. The annualized rates of return are similar, which are 14.42%, 14.25% and 14.26% respectively. The cumulative yields are 26.52%, 12.86% and 13. 14% respectively.
The products are the same, the time period is the same, and the final annualized rate of return is basically the same, but the cumulative rate of return of fixed investment is almost half that of one-time purchase. ?
This is because the fixed investment money is put into the product bit by bit, and the time cost is only half of the one-time purchase.
It can be seen that for products with little fluctuation, it is not necessary to make a fixed investment. ? As long as your capital use cycle and acceptable withdrawal are consistent with the product goal, you can buy it at one time from time to time. ? If you have a large amount of money and feel depressed after buying it, then it is enough to invest 1/3 every month for three months.
I hope the answer will help you. If you have any questions about financial management and investment, please feel free to come to Xiaoman for consultation ~