1 1 basic knowledge.

1. What is the fixed investment of the fund?

Fixed-term investment fund is a fund investment method of buying a certain fund at a fixed time and amount. Similar to lump-sum deposit and withdrawal in a bank, as long as the deduction amount and date are set, the system will automatically buy the selected fund on the deduction date.

2. Advantages of fixed fund investment:

A. Automatic deduction, simple procedures and "fool-like" financial management.

B. Every little makes a mickle, compulsory savings, improper moonlight clan.

C. the starting point of investment is low, compound interest grows and the income is considerable.

D. invest in batches, dilute costs and spread risks.

3. Suitable for people:

A. Office staff

Because most office workers earn very little after deducting the daily necessary expenses, the small fixed investment method is the most suitable. Moreover, office workers do not have enough time, and fixed investment is the most time-saving and labor-saving investment for office workers.

B. people with less risk-taking ability.

Fixed investment has the advantage of weighted average cost because of phased investment, so it can relatively dilute the cost and reduce the overall risk, which is suitable for investors with less risk-taking ability.

C. those who need special funds at some point in the future.

For example, if you have to pay the down payment after three years, or you can't afford the college tuition for a while, planning in the form of regular fixed small investment in advance will not only cause economic burden, but also turn the small monthly money into big money in the future.

4. Deduction period:

The month, week and day can be determined according to their own amount of funds. If it is deducted every week, according to experience, it is generally more appropriate to deduct on Thursday.

5. Is it better to choose Class A funds or Class C funds for fixed investment?

Class A and Class C are actually the same fund product. There is no difference between fund managers and positions, but A/C represents different charging methods. Different charging methods adapt to different investment periods.

Class A stands for front-end charge, which is a one-time charge at the time of purchase. There is no charge for Class C subscription, and the sales service fee is accrued daily during the holding period. Therefore, the fixed investment belongs to long-term holding.

6. What kind of fund to choose for fixed investment:

A. The greater the fund fluctuation, the more suitable the smile theory.

B. index funds

7. What is the fixed investment each time?

You can plan according to your own amount of funds. After deducting the basic living expenses every month, you will take out part of the remaining funds for fixed investment. It is suggested that you take out 10%-20% of your monthly income and stick to the fixed investment.

8. Fixed investment method:

A. Regular quota, buy the same amount of funds at a fixed time every time.

B. Intelligent fixed investment, moving average mode, less investment above the moving average, and more investment below the moving average. For example, if the fund falls sharply on the day of deduction, then invest more and the fund rises sharply, then invest less.

9. How to choose the dividend method:

A. cash dividends. You can get cash directly when you pay dividends, and it is safe to put it in your bag.

B. Dividend reinvestment: the funds obtained from dividends are directly used to purchase funds, and dividends are converted into fund shares.

10. What is the appropriate time for each round of fixed investment:

Generally speaking, it will take 3-5 years to see the effect of fixed investment. The key to the profitability of the fund's fixed investment is to reduce violent fluctuations. The longer the time, the more opportunities there are to increase the price and dilute the cost when the market falls.

1 1. Exit mode of fixed investment:

A. Set the target rate of return and realize full redemption.

B. Redeem in three times, each time 1/3.

C. Redeem part of it after making a profit, and if the remaining share in the account falls to the break-even line, redeem it all.