1 million is really a big sum for us ordinary people. If it is used to make a fixed investment in the fund, it is a matter that needs special caution.

faced with this 1 million fund, the first question we should consider is whether this 1 million belongs to idle money that has not been used for a long time.

If this 1 million is all your family funds, then it is safe to say that it is not suitable for all the money to be invested in the fund.

We can use a simple formula to calculate the proportion of your investment in the fund, that is, the fund you can invest in =1- age. For example, if you are 35 years old now, you can use 1-35=65, which means you can invest 65% of your funds in the fund. If you make a fixed investment, you must subdivide this 6%.

If this 1 million is really idle money, you can invest in the fund by one-time purchase and fixed investment.

One-time purchase of funds also needs to be controlled in a certain proportion, 3-5% is more appropriate, the proportion is too low, and the chips in hand are rarely different from the fixed investment; The proportion is too large and the risk is too high. So it is more appropriate to buy 3%-5% first.

of course, everyone's risk tolerance is also considered. Steady investors can invest 3% first, and the remaining 7, will be fixed in 2 months, with a fixed investment of 35, yuan per month.

if you are very optimistic about the future market and are aggressive, you can also invest 5% at one time and invest 25, yuan each month, so that you can hold more chips before rising.

the combination of one-time investment and monthly fixed investment can avoid the situation that the market rises sharply and the income effect is not obvious due to insufficient chips in hand.

therefore, in the case of holding large funds, reasonable management of positions is also the key to profitability.