The fixed investment of the fund, namely the abbreviation of the fixed investment fund, refers to the fixed amount (such as 500 yuan) invested in the designated open-end fund at a fixed time (such as the 8th of each month), which is similar to the bank's deposit and withdrawal method. People usually refer to funds mainly as securities investment funds. Generally speaking, there are two ways of fund investment, single investment and regular quota. Because of the low starting point and simple method, the fund is also called "small investment plan" or "lazy financial management"

"Compared with fixed investment, the expected annualized expected return of one-time investment may be higher, but the risk is also great. Because it avoids the influence of investors' subjective judgment on the timing of entry, the risk of fixed investment is significantly lower than that of stock investment or single fund investment. The fixed investment of the fund is similar to long-term savings, which can spread the investment cost evenly and reduce the overall risk. It has the function of automatically increasing the price and reducing the price on dips. No matter how the market price changes, it can always get a relatively low average cost. Therefore, regular fixed investment can smooth the peaks and valleys of the fund's net value and eliminate market fluctuations. As long as the selected funds grow as a whole, investors will get a relatively average expected annualized expected return without worrying about the timing of entering the market.

Who is suitable for the fund to vote?

Simply put, one-time purchase is suitable for professional investors: radical investors with rich investment experience and clear judgment on market trends, who hope to obtain relatively high expected annualized expected returns in a short period of time (less than 1-2 years) through speculation and are willing to bear greater investment risks.

Fixed investment is more suitable for inexperienced "Xiaobai": stable people with regular and stable income (people receiving a monthly salary), people who are too busy to manage their finances, or people who care about financial management but don't know how to manage their finances, who want to invest for a long time (3-5 years) and don't like to take too many investment risks. In addition, the fixed investment of the fund is also an effective means of saving.

Specifically, it is suitable for the following people.

office worker

After deducting the daily living expenses, the salary income of most office workers is often small, and a small amount of regular investment is the most appropriate. Moreover, because most office workers can't go to financial institutions to go through the subscription procedures in person during office hours, it is the most time-saving and trouble-saving way for office workers to set up automatic deduction fixed investment in designated accounts.

Those who need special funds at some point in the future.

For example, you have to pay a down payment for buying a house three years later, a fund for children to study abroad 20 years later, or even a retirement pension fund 30 years later. When we know that there will be a large demand for funds in the future, it will not only cause economic burden, but also turn small monthly money into big money in the future.

Don't like people who take excessive investment risks.

Due to the advantage of weighted average investment cost, regular investment can effectively reduce the overall investment cost, reduce the risk of price fluctuation, and then enhance the opportunity of profit.

Which fund is more suitable for fixed investment? How to choose a fixed investment?

The types of funds with large fluctuations in fixed investment have advantages (such as stock funds and index funds). If you choose a fund with large fluctuations, the same fund can buy more shares when its net value falls and make quick profits when the market rebounds.

In the specific fund selection, it is suggested to refer to the past long-term performance to choose. Funds managed by large fund companies and fund managers with good past performance are good choices. The choice of funds should match their own risk tolerance.

What percentage of salary is suitable for fixed investment?

There are generally two kinds of fixed investment, one is the moonlight family saving money, and the other is the fixed investment for specific goals.

1 moonlight family carries out compulsory savings accumulation: it is best to analyze the monthly income and expenditure and calculate the idle funds that can be fixed. Generally, 10%-20% of monthly income is used for fixed investment. When young people start investing, they can allocate less other financial management methods and more fixed investment for compulsory savings. This method should last for more than 3 years to get good results, and long-term investment can give full play to the compound interest effect of the fund's fixed investment.

At the same time, how to make several fixed investment funds and how to match them best?

Fixed investment matching should consider two factors, one is the amount of fixed investment, and the other is the risk tolerance. The initial amount of fixed investment is generally two or three hundred yuan. If the fixed investment exceeds 1 0,000 yuan, more than two funds will be matched. The allocation of funds can be based on their own risk tolerance, and the risk is always proportional to the expected annualized expected return. People with low affordability can consider the combination of debt-based funds, mixed-base funds and index funds, while those with high risks can consider the combination of mixed-base funds, stock-based funds and index funds. What are the advantages and disadvantages? What kind of person is suitable?

The risks of hybrid funds, stock funds and index funds increase in turn, which is suitable for people with different risk tolerance. Hybrid funds invest in the stock market and bond market in a balanced way, and can share the expected annualized expected returns of the two markets at the same time. Index funds can closely follow the locking index and fully share the growth of the market. Compared with index funds, equity funds have increased the participation of more people. If the fund manager has excellent performance, he can obviously surpass the broader market.

Is it better to invest in growth funds or small and medium-sized funds?

Small and medium-sized stocks fluctuate more than grow, which is suitable for investors with high risk tolerance, that is, small and medium-sized stocks grow fast and are difficult to fall. Whether it is good or not depends on the individual's risk tolerance. And the ability to judge the market.

Is it better for a fool to try a fixed investment or a big fund?

Speaking of fool's fixed investment, although the fund's fixed investment is a lazy investment, it is generally only necessary to make a contract in the bank, as long as the money in your card is enough to deduct money, you can always invest. But lazy investment doesn't mean you don't care at all. Although you don't always pay attention to the change of net worth like a one-time purchase and make a redemption decision at any time, you should also pay attention to the funds you invest in regularly.

For more information about the fixed investment of the fund, please refer to the special topic of the fixed investment of the fund: How to manage lazy people's money? , introduced in detail the principle, methods, advantages and risks of the fund's fixed investment.