Because in general, the fixed investment of the fund is based on a month cycle, and it is fixed once a month, which is also in line with the characteristics of the monthly salary of the working class. You can make a fixed investment on the day of pay, which is equivalent to compulsory savings.
Moreover, one-time investment is more difficult for the working class. Most working-class people do not have the ability to grasp the high and low points of the market, so buying funds in batches is conducive to the working-class people to obtain the average market income.
In fact, how much money is not a problem, but the proportion is the key. With a monthly income of 5,000 yuan and a monthly income of 1000 yuan, and a monthly income of 500 yuan, the pressures they face are totally different. Therefore, it is more correct to look at the ratio of funds invested each month to wages.
It depends on the financial goals you choose and your current financial situation. Let me give you two simple examples: Xiao Wang is a young man who has just come out to work and has no plans for his life. Now he wants to prepare a pension for the future, so how much should he invest every month? About 7% of his salary can meet his pension needs.
Xiao Li, a colleague of Xiao Wang, is getting married, but her mother-in-law strongly demands to buy a house in the future. Xiao Li needs to prepare the down payment for these two years. So small, only choose some financial products with higher security to ensure that the principal will not be lost, instead of choosing the fund to vote.
Fixed investment of funds is a financial management method suitable for mass investors. The fixed investment of the fund is long-term, and there is no uniform standard for the fixed investment amount, which should be determined according to the personal financial situation.
With the monthly income, the proportion of 10~20% is mandatory. If the income is low, the proportion of fixed investment can be less; If the income is high, the proportion of fixed investment can be increased.
For example, with a monthly income of 5,000 yuan, you may wish to make a fixed investment around 500 yuan. If the monthly income is 10000 yuan, the monthly fixed investment amount may increase to 1000 ~ 2000 yuan.
It is a more appropriate standard to deduct the necessary expenses from the monthly income and spend about 50% of the rest on the monthly fixed investment.
If the monthly income is 5,000 yuan, the necessary expenditure is 3,000 yuan, and there are 2,000 yuan left, then you may wish to make a fixed monthly investment of 1 1,000 yuan, and another 1 1,000 yuan as a reserve fund.
Generally speaking, the investment cycle of the fund's fixed investment is more than 2~3 years, and the fund arrangement should ensure the continuous flow in the middle and experience a relatively complete price fluctuation cycle in order to obtain better investment income.
For example, if you have 6,543,800 yuan of idle funds on hand, you can make a fixed investment of 2,000 ~ 3,000 yuan every month according to the three-year schedule.
The fixed investment of the fund not only has the function of compulsory savings, but also can realize the steady appreciation of wealth. For ordinary investors, it is best to choose a broad-based index fund. After a "smile curve" investment cycle of 2-4 years, you can generally get a compound annualized income of 8- 15%.
According to the above income level, with the help of compound interest and time, an investor can invest in 500 yuan every month, and it is very likely that he can accumulate assets of 40 thousand yuan after five years; 10 years later, the accumulated assets reached 654.38+10,000 yuan; After 15, the accumulated assets reach17 ~ 330,000 yuan; After 20 years, the accumulated assets will reach 300,000 ~ 750,000 yuan; After 30 years, the accumulated assets reached 750-340 million yuan. ...
In short, the fixed investment of the fund should be based on its own cash flow earning ability, and more importantly, it is necessary to choose a broad-based index fund with long-term profit, smooth the fluctuation of short-term income through long-term investment, and realize the long-term steady appreciation of wealth.
Fund fixed investment is a saving tool suitable for wage earners. The amount depends on their own income, and there is no uniform standard.
For wage earners, low wages and high expenses make it really difficult to save money. The fund's fixed investment meets all the above conditions. If you choose an index fund, the CSI 300 is good. On the second day of salary, a certain percentage of salary is enough. It is suggested that 10% is enough, which will not affect your life and save some money.
As for whether there are too few 500 yuan, it has something to do with income. Invest more if you earn more, and invest less if you earn less. This is not a big problem. The most important thing is to protect your life. After all, fund investment is a long-term process. Life can't go on now, and no amount of investment is meaningful. When I first started working, I didn't earn much, and I also made a fixed investment of 500 yuan per month. Later, my income increased, and the amount of fixed investment gradually increased. Therefore, in terms of the amount of fixed investment alone, 500 yuan is actually not small.
The fixed investment of the fund should start from the tail of the bear market or as low as possible, starting from the market environment that has been falling. You have to accumulate chips slowly. After the fixed investment, the stock market is still falling. This is the best case. At this time, your position is light, and the stock market will lose a little money. When your position is heavy and the stock market goes up, you will make a lot of money. This is called the smile curve, which is the true meaning of the fund's fixed investment.
As for the operation, it is much simpler than stock trading. There is no problem of stock selection and timing. When making a fixed investment, you only need to make a plan (fixed investment time, fixed investment amount), leave enough money, and then continue to invest.
To sum up, the fund's fixed investment is a saving tool that is more suitable for wage earners. The amount depends on their own income, and there is no uniform standard.
A: Fixed investment by the fund may be a good investment strategy. It may not matter how much money is fixed every month. Perhaps the most important thing is to choose the type of fund to invest in and the length of the fixed investment period. Reason:
First, the stock market may be a professional investment market. If investors do not have enough professional investment ability, investing in stocks may face greater risks. If investors have the ability to choose a really good fund variety, the risk of investment may be lower than that of direct investment in stocks; If we can invest in the form of fixed investment of the fund, it may further reduce the risk of investment.
Second, the fixed investment of the fund may be a better investment strategy, but the most important thing may be to choose a good fund variety, otherwise even if the fixed investment is adopted, the investment may not be successful; After choosing a good fund variety, it may be necessary to formulate a reasonable investment cycle. If the fixed investment period is too short, it may not reflect the superiority of such an investment strategy.
Finally, individuals may provide some other suggestions. If investors have the ability to choose a really good fund variety and carry out a reasonable investment cycle, it may be easier to obtain the success of investment by adopting the method of fixed investment in a relatively long investment cycle. There may be some uncertain risks due to the single variety of funds. If conditions permit, it may be possible to invest in several really good fund varieties, which may better spread risks and further reduce the risks of the entire portfolio.
1, since it is a fixed investment, it proves that you have a certain sense of financial management. The amount of investment depends on the current income level and future income composition. Now you can add less.
2. What is the key to a fixed investment? 1, the stock fund will make a fixed investment. 2, index funds, 3, fixed investment money funds and other things, choice is as important as investment.
Judging from this year, the money fund should be good. 20 19, personally, I think the index is the first choice.
4, 20 18 "cool" stock market can be considered, "fixed investment stocks" and high-quality blue-chip stocks with more dividends, such as Gree Electric.
First, everyone should learn to invest, and the other party's investment in money, time and so on to enhance their value is investment.
Second, regardless of the amount of funds invested, there are fewer ways to play and more channels.
Third, the amount of investment should be decided according to the actual situation.
Therefore, it is necessary to know your own economic situation, calculate your actual monthly income and expenditure, and know how much money is available every month and year.
Then it depends on your risk tolerance. Remember not to put all your money into risky products (stocks, funds, gold, etc.). ) once.
Finally, I can work out how much money my fund has.
At the same time, the fixed investment cycle is divided into daily, weekly, biweekly and monthly.
Combine your own time and see how to make a fixed investment is more appropriate.
Moreover, it is necessary to leave some funds, and the fund can cover the position if it falls. (50- 100 is also acceptable)
I vote every Thursday.
In fact, the fixed investment of the fund is suitable for people who don't watch it every day at work. See how much spare money you have every month. It takes at least three to five years to plan a fixed investment. For example, I earn 6,000 yuan a month and get a professional fixed investment fund of 1 0,000 yuan every month.
According to personal income, fixed investment focuses on accumulation and compound interest.
The threshold of the fixed investment amount of the fund is particularly low, 10 yuan is fine, and 500 is not too low.
There are usually two methods to calculate the appropriate fixed investment amount.
The fixed investment period of the fund is not short, and it is possible in three or five years. If you want to buy a car and a house within two years, it is not suitable to invest money in the fund.
Some people have a lot of spare money, but they are afraid that they may need it in the future and dare not invest for a long time. As a result, the income of short-term wealth management products is low. What should I do?
It is a better way to organize funds by category. Generally, it can be divided into four categories.
The fixed investment of the fund belongs to the fourth category of long-term value-added currency. If you want to calculate how much is appropriate, just subtract the first three items from your income.
Set a goal for your investment, whether it is your children's education fund or your own pension, how many years you need to invest, and how much money you expect to have by then, and then calculate according to your real annualized rate of return, and you will know how much you will invest.
However, if the amount calculated in this way is far greater than your current ability, I suggest reducing it.
In any case, the first principle is within your own ability. Some people buy funds through credit card cashing, borrowing money and loans. Increase leverage, resulting in excessive pressure on yourself and unstable investment mentality, which is a taboo for investment.
400 yuan a month, see for yourself!