Fund fixed investment, is the short for regular fixed investment fund, is a fixed amount of money in a fixed time to invest in a designated open-ended fund, similar to the bank's zero-deposit way. The key to fund fixed investment is to invest a fixed amount of money at intervals of one cycle, buy fewer shares at a high price, buy more shares at a low price, amortize the unit cost in the process of market fluctuations, and then sell at a medium-high price when the market picks up.
The fund fixed investment is suitable for long-term investment, and the procedures are simple, with similar characteristics with long-term savings, the key is to accumulate less into more, can be amortized investment costs, reduce the overall risk. It has the function of automatically adding to the low and subtracting from the high. Regardless of how the market price changes, you can always get a relatively low average cost, and regular fixed investment can smooth out the peaks and valleys of the fund's net value, eliminating the uncertainty or volatility of the market.
Ms. Xiao Biyan, after learning and understanding the fund knowledge, through her own knowledge and research on the fund market, started her fund fixed investment path. For many years, she has been insisting on the use of fund investment, investment, regardless of whether the middle of the loss, she can insist on, harvest we often say "smile curve". 17 years of wind and rain, let her more and more courage, not only get the ten million income, but also to the fund market to understand more thoroughly. Her fund investment case, so that people are admired, gave her "fixed investment godmother" honorary title.
①What is suitable for fund investment?
There is free money to invest; recognize that they can not grasp the market highs and lows; willing to give up a single investment may bring a high reward; pay with high risk, hope that there is a relatively safe way to invest; can withstand the impact of the payment, and is willing to continue to deduct; investment in more than 3 years of preparation.
② With how much money to do fixed investment?
Mr. Xiao gave an equation of half of (monthly income - monthly expenses). "For example, if you have a monthly income of 8,000 yuan and monthly expenses of 6,000 yuan, you can use 1,000 yuan to make fixed investment funds.
③ What type of fund is good to buy?
Mr. Xiao's point of view is that "stock-type funds, the more aggressive type of funds, the better," because the biggest benefit of fixed investment is to enter the field in batches, amortize the cost of investment, diversify the risk of possible buy high, and then take advantage of the relative high point of the end of the profit, to achieve the "buy low, sell high! The effect of "buy low, sell high". Therefore, if you want to find a high point to leave, of course, you have to choose a more volatile stock fund.
The above is only the view of Ms. Xiao Biyan, and we should look at it according to our own reality.
Generally speaking, fund investment can be started at any time, but there are conditions. If the fixed investment start point stock market in the low, there is no problem. Medium is also very good, neither negative too long, but also enough time to save enough shares. Particular attention should be paid to the high level, for example, in five thousand points, this time can also be fixed investment, but pay attention to control the amount of fixed investment, not too much to buy. At this time you can invest, the amount should be small, the take-profit point should be low. If you reach the break-even point must not hesitate, determined to redeem, and then reduce the amount of fixed investment and break-even point to continue fixed investment.
Here we choose the method suggested by Mr. Xiao Biyan, to give you an explanation, and add specific examples, easy to read and understand. The method suggested by Mr. Xiao Biyan is fixed investment plus a single low level increase.
Any investment should be based on the market to adjust, the fund fixed investment of course, also based on the market. There is a saying that goes, "To accurately step into the market in the market is more difficult than catching a flying knife in the air."
To set the investment strategy based on market conditions, different market conditions for different investment with, so as to ultimately realize the amortization of costs, when the stock market is at a relatively low level can even increase the amount of fund fixed investment, with double fixed investment to expand the bottom of the position, so as to obtain a lower cost of ownership.
The fund fixed investment is a good investment method, but limited to the premise of the market of shock and uncertainty, and can not be applied across the board. And fixed investment alignment is up and down, without a certain foundation and a good mindset, the problem will be great. For the fund market understanding is not comprehensive enough, I recommend not arbitrarily fixed investment. Any investment is risky, I hope you can be careful, for themselves and their families responsible.
Thank you for reading, welcome to share your fixed investment experience, we discuss and exchange. @ParrotShihang @SmallIce @ZhenChang @MerchantsBankApp #KnowHowTo ##Stick to Fixed Investment One Small Step, Invest Wealth One Big Step#