1. Insist on no less than 10% to 20% of monthly income being used for fixed investment each month.
2. It is recommended to invest in index funds or stock funds instead of bond funds and currency funds. Recommended Southern 300, Southern Shenzhen Stock Exchange Component Index ETF (back-end fee)...
3. Choose old funds with stable performance for more than three years from famous brand companies. The ten old fund companies include: ChinaAMC, Boshi, Harvest, Southern, Cathay Pacific, GF, Wells Fargo, E Fund, Dacheng...
4. It is best not to invest less than one market cycle, that is, not Below the complete process of a bull and bear market. It is better to go from a bear market to a bull market than from a bull market to a bear market.
In fact, the best way to make fixed investment is to invest continuously for more than ten years, every month without interruption, and it is best to make fixed investment for life.
5. Don’t be too diversified. It’s best to choose one or two good funds and keep investing in them. Don’t switch back and forth, and don’t be too diversified.
6. Don’t be afraid of the bear market and stop your fixed investment. On the contrary, you should increase your fixed investment because you can buy more chips.
You can make less fixed investments in the bull market, but it does not have to be terminated. Never make more fixed investments in the bull market, because the more you buy on highs, the greater the chance of being trapped in the future. It is recommended to use fixed investment every other month in the bull market, that is, transfer money to the card every other month for fixed investment transactions. In addition, the money in the months not invested is accumulated aside. When the price is low in the bear market, you can buy it again in one go or in batches. If you invest, you can take more shares, and fixed investment in bear markets will still proceed.
7. Do not stop payment deductions for three consecutive months. The fixed investment agreement will be automatically terminated and you will have to activate it again in the future.
8. Suggested options for long-term fixed investment: dividend reinvestment + back-end charges.
9. Correct your mentality, don’t waver, stick to your fixed investment every month, and don’t stop your fixed investment due to the influence of external gossip. With just a few hundred yuan per month, you can build a good financial foundation for the future with just a little effort.