Fixed investment has been circulated thousands of times, as if everyone is suitable. Some people think that even if the investment is as good as 1000, not everyone needs it. So how do we novices analyze whether we are suitable for fixed investment? Bian Xiao has compiled here whether the fixed investment is suitable for you, for your reference, and I hope everyone will gain something in the reading process!

Automaticinvestmentplan (AIP) is the abbreviation of fixed-term investment fund, which refers to investing a fixed amount (such as 500 yuan) in a designated open-end fund at a fixed time (such as the 8th of each month), similar to the deposit and withdrawal method of banks. It mainly adopts the method of buying in batches, which overcomes the trading risk at a certain point. Fund fixed investment has the characteristics of average cost and simple and fast procedures, which is suitable for long-term investment. Favored by people with low risk tolerance, it is a low-risk investment and financial management option with long-term savings function, also known as "lazy financial management". There are also many financial instruments in the market, such as fund income calculator, which can provide some data for investors' choice and facilitate investment choice.

People who are not suitable for fixed investment

1, a folk expert

The stock market is known as the law of "seven losses, two draws and one gain", which shows that there are still 10% people who can make money by trading stocks. So these people don't have to make a fixed investment in the fund, or even buy a fund.

Crowd characteristics: I am also curious about the true face of these folk masters.

2. People who are addicted to investment.

Some people like running, others like reading, and of course, many people regard investing in the stock market as an interest. They love watching financial news, pondering the financial reports of listed companies and analyzing various technical indicators. It doesn't matter whether you make money or not. There is always a tuition fee for stock trading. You said you asked them to buy a fund and make a fixed investment once and for all. Isn't this depriving people of their hobbies?

Characteristics of the crowd: life pressure is not too great, and spare time is abundant. For example, some young people who are single at present don't have to accompany their boyfriends/girlfriends for the time being, and there is no pressure to raise a baby. There are also some people who work more easily, or have retired and have a lot of free time.

3. People with abnormal cash flow

Fixed investment, this "fixed" has two meanings, one is fixed time, the other is fixed amount. For example, if the salary is paid on15th every month, it will be paid on16th every month, and 1000 yuan will be invested in Tian Hong CSI 500 Fund. This way is not suitable for friends with uncertain income. If they set a monthly fixed investment, it is likely that the deduction will fail because of insufficient amount, and the fixed investment will be terminated after three failures.

Crowd characteristics: the cash flow is unstable and irregular. For example, some friends who do odd jobs in business.

4. People who refuse to invest for a long time

"Do what long-term investment? What I want is to get rich overnight! " This is their inner call. They have been looking for an "opportunity" to make a fortune once and for all. However, it is definitely not appropriate to rely on "long-term sustainable return+the power of compound interest" to achieve your financial goals.

Crowd characteristics: believe in short-term investment; Only short-term financial needs, no long-term financial planning.

Suitable person for fixed investment

1, wake up "leek"

The mental process of a typical "leek"

Most people start their financial management from stock trading, and everyone is confident that they are 10% of the profit. But most people will be "scared" when the stock market plummets, become "greedy" when the market is good, and eventually become a group of small leeks.

Among them, some lucky ones made some money first in the bull market, so they strengthened the confidence of the "stock god", but this confidence can only last until the arrival of the monkey market or the bear market. There are also some people who are not so lucky, and they are beaten back to reality soon after entering the market, from black and blue to despair.

Desperate people swear never to touch the stock market again, from radical to conservative, and only buy live treasures, fixed-income products and pure debt funds. The undefeated people began to consider whether there were other investment methods, so they switched from stock trading to buying funds. But I found that I still couldn't control myself, and I went in and out frequently, as if I was always "buying high and selling low". From "small leek" to "old leek"

Fixed investment for you: an investment way to overcome human nature

If you can't control yourself, use external force. Fixed investment is an investment method that can overcome human nature. It saves investors the trouble of timing, makes full use of the average cost investment concept of "bargain hunting plus price reduction", and effectively controls the short-term market fluctuation risk through long-term batch investment, thus enjoying compound interest income.

2. Moonlight Goddess

The daily life of "Moonlight Goddess"

Many white-collar workers who have just graduated from work have a stable income, but they have no idea about financial management. Their monthly salary can barely meet the credit card bill. After working for a year or two, look at the deposit in the bank card. It is not enough to travel far. It's okay to spend money, but without a little planning and principles, wealth cannot be accumulated. Such a goddess is usually called the "Moonlight Goddess".

Vote for you: Say goodbye to "moonlight" and be a sunny boy/girl.

For such people, they can only deduct money to buy funds on the second day after their wages arrive. If you earn 10000 yuan a month and deduct 2000 yuan a month, then tell yourself that there is only 8000 yuan in your card, and you can spend up to 8000 yuan. 1 year, 3 years, 5 years later, you may find a small action and accumulate a lot of wealth for yourself.

3. "As long as poetry and distance are not in sight"

I just want poetry and distance, not now.

I find that everyone seems to be busy. Office workers and entrepreneurs are busy working hard in big cities, working overtime until late at night every day; Young mothers and super dads have just entered a new stage of their lives and are busy with their babies every day; Lohas are busy eating, drinking and having fun; Young artists are busy with poetry and distance; Fitness enthusiasts are busy lifting iron in the gym. Everyone is living their lives seriously, so it is vulgar to talk about money when it is poetic.

Fixed vote for you: If you stay with me, the poem and the distance are yours.

In fact, you are not too busy, you are just lazy. Because you think it's not good to have this time to do something, it's tiring to think about making money every day. But if we don't get along, where are the poems and the distance? Life is so cruel. If you really don't have time to worry about it, then set up a fixed investment plan, find 2-4 long-term optimistic funds, and invest a fixed amount every month regularly, and stick to it for a long time, with amazing results.

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