1, diversification. When making a fixed investment in the fund, it is also necessary to consider diversifying the funds to avoid putting all the funds into one fund. Investors can choose different types of funds with different investment styles to realize the decentralized allocation of funds, thus diversifying investment risks.
2. When the fund is in a downward channel, you can consider fixed investment. One advantage of the fixed investment of the fund is to share the cost of capital. When the net value of the fund falls, fixed investment can effectively reduce the holding cost of the fund. After the fund's net value rises, it can achieve good returns. However, if a fixed investment is made during the period when the net value of the fund rises, it may increase the holding cost and increase the investment risk.
3. Adhere to long-term investment, and choose dividends for fund dividends. As a long-term investment strategy, it is very important to adhere to the fixed investment of the fund. Investors should set a reasonable fixed investment cycle and invest funds regularly as planned. Don't be affected by short-term market fluctuations, and adjust your investment plan frequently. Sticking to long-term investment can reduce the influence of market fluctuation on investment and obtain long-term stable investment income. In addition, investors are advised to choose the dividend reinvestment method to increase their fund share through dividends and realize the compound interest effect of long-term investment.
4. Choose the right fund for fixed investment. Investors should choose their own funds according to their investment objectives, risk tolerance and liquidity. Generally speaking, stable investors can choose partial debt funds or monetary funds, and investors with higher risk tolerance can choose stock funds or hybrid funds. At the same time, investors should pay attention to the historical performance of the fund and the strength background of the fund management team. For novice investors, it is recommended to choose fund products with large assets and excellent historical performance.
5. Choose the appropriate charging method. The fixed investment of the fund needs to pay certain transaction costs, including fund subscription redemption fee, management fee, sales service fee and so on. Investors should pay attention to the scale of these expenses. There are two ways of fixed investment: front-end charging and back-end charging. There is little difference between front-end charges and back-end charges in the short term, but there will be great difference in long-term investment. Therefore, if investors intend to make a long-term fixed investment, they can choose the back-end charging method. The longer the fund is held, the lower the rate and the higher the income in the long run.