There is the name of lazy financial management, and its value stems from a saying circulating on Wall Street: "It is more difficult to step on the market accurately than to catch flying knives in the air." If you adopt the method of buying in batches, you will overcome the defects of buying and selling at one time, balance the cost and make yourself invincible in investment, that is, the fixed investment method. 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 relatively average returns without worrying about the timing of entering the market.
It is difficult for ordinary investors to grasp the right investment opportunity in time, and they often buy at the high point of the market and sell at the low point of the market. However, the fixed investment mode of the fund is adopted. No matter how the market fluctuates, the fixed investment fund will be fixed for one day every month, and the bank will automatically deduct the money, and automatically calculate the number of fund shares that can be purchased according to the net value of the fund. In this way, investors buy funds on schedule, and the investment cost is relatively average. Because the regular quota comes into the market in batches, when the stock market is consolidating or falling, because the regular quota is undertaken in batches, you can buy more and cheaper, and the return on investment after the stock market rebounds is better than that of a single investment. For the China stock market, it should be a volatile upward trend in the long run, so regular quota is very suitable for long-term investment and financial planning. About 30% investors choose the way of regular fixed investment funds. Especially in the 3 1-40 age group, as many as 36% people are engaged in this investment. The survey of investors' satisfaction with investment tools shows that the satisfaction of investors who buy and sell Taiwan Province stocks is 39.5%, that of investors who buy Taiwan Province funds alone is 55%, that of investors who invest in overseas funds alone is 52.5%, and that of investors who invest in fixed funds regularly is as high as 53.2%, which further shows that investors prefer low volatility and pursue long-term stable value-added investment and financial management methods.