1. Why insist that the fund's fixed investment
is first of all average investment and risk diversification. Diversifying funds into different industries and constituent stocks in the index can effectively avoid
the ; moreover, funds are invested on schedule at different nodes, and the cost of investment is high or low, which maximizes dispersion. risk.
Take
a chestnut, an avocado, 10 yuan when it is expensive, and 5 yuan when it is discounted. If you spend 10 yuan, you can only buy one when it is expensive, and you
can buy two when it is discounted. In this way, the average is 6.7 Yuan can buy one. When the net value of the fund falls, although the previous investment will incur
losses , if you continue to buy the same fund at this time, the overall investment cost can be effectively amortized.
Secondly, the operation is simple, saving time and effort.
Investors only need to go through the formalities once, and then they can subscribe for automatic deductions for each installment; there is no need to decide whether to buy high or low, as long as they stick to the fixed investment, even if
the market fluctuates greatly, they can control the investment cost.
Third, long-term persistence will bring considerable benefits. Judging from the market in the past five years, if you decide to invest in
any CSI 300 Index or CSI 500 Index, you can get a return of about 50%
. .
Finally, and most importantly, help you overcome the weaknesses of human nature. Everyone likes to chase the ups
and downs, and go with the flow. It is very easy to sell because of short-term floating losses. Instead, they are often cut off. However, if you choose the "anti-human"
fund management method of fixed investment, you will not be affected by the outside world, invest regularly, be greedy when others are panic, and be
cautious when others are greedy. Because the fixed investment is to invest a fixed amount in the same fund, the higher the market and the higher the net value of the fund, the less shares investors get.
On the contrary, when the market is lower and the net value of the fund is lower, the more shares will be obtained, the high position will be reduced, the low position will be increased, and the cost will be diluted. When the market
rebounds , investors can gain profits.
2. How to make money in the fund's fixed investment?
Persevere, persist and persist. Fund fixed investment is not a one-time transaction, nor is it a short-term get rich overnight, but it takes a certain period of time to
obtain considerable income. It is difficult to guarantee the effect of fixed investment if you fish for three days and dry the net for two days. Only by insisting on long-term fixed investment, can you completely smooth the risk of huge fluctuations in the entire stock market through
fixed investment.
Stop profit and stop loss. As just mentioned, the fixed investment of the fund makes
profit . So you should be happy when you see the index drop after the fixed investment. Many investors are asking, what should I do if the fixed investment falls, it is right if it falls,
and never stop the loss. If you stop the loss at a low market level and sell the fund shares you already hold
, then even if it rises sharply later, the shares accumulated in the early stage will be meaningless. Therefore, the fixed investment of the fund should not stop losses, but should do
a . How to stop the profit after the fund makes a fixed investment? There is no set rule for this, you can choose to take profit slowly, that is, set a profit value by yourself
, such as 30% or 50% of the total account profit. . Of course,
you can also choose a one-time redemption, and then re-schedule.
The fixed investment period should not be too long. If you lengthen the time span, whether it is weekly or monthly, the difference
is not large, and it mainly depends on personal investment habits. However, the shorter the interval, the smoother the short-term curve
of funds. Most people are used to monthly, in fact, as long as they have the right investment philosophy and long-term investment habits, any frequency is fine.
It is necessary to choose funds with
large for fixed investment. There are many kinds of funds. Choose to invest in stock funds or index funds that are more volatile, rather than bond
funds or currency funds. Fixed investment
is .
3. The three "fixed"
funds of the fund's fixed investment Fund fixed investment is the abbreviation of the fund's regular fixed investment, emphasizing the three "fixed", that is to invest a fixed amount in the same fund at regular intervals (such as monthly or weekly
). fixed fund.
In simple terms, fixed investment is actually an investment method of compulsory savings. Warren Buffett, the stock god
, has recommended investing in index funds more than once. “By investing in index funds on a regular basis, an amateur investor who knows nothing can often
beat most professional investors.”
In the face of the ever-changing capital market, without spending a lot of time researching market prospects and without requiring too
high investment thresholds, fund fixed investment relies on extending the time span, investing in batches, cutting peaks and filling valleys, and flattening investment costs. resulting in
stable returns.