How to buy a fund to vote for a model essay

How to buy a fund to vote for a model essay

Many investors replied to Bian Xiao and asked, "How can I buy a fund to make a fixed investment? There are still many misunderstandings about the investment tips of fixed investment funds. Here, I would like to share with you some information on how to buy a fixed investment fund for your reference.

How to buy a fixed investment fund? Tips for investment in fixed investment funds

Fixed investment fund channel

1, third-party fund consignment platform

Funds are generally issued by fund companies, but the purchase channels of funds are not limited to fund companies. The third-party fund consignment platform is one of the channels commonly used by individual investors. There are many third-party funds consignment platforms, such as Alipay and Licaitong.

Take Alipay Fund's fixed investment as an example, log in to Alipay APP, enter wealth and fund in turn, and you can screen out the fund you want to invest in. After entering the fund details page, there are two options at the bottom of the page: "Buy" and "Fixed Investment". Just select "Fixed Investment" and set basic information such as fixed investment amount, payment method and fixed investment period, and the system will automatically buy at the specified time.

2. Banks

Banks are also a common channel for fund consignment. The fixed investment method is similar to the third-party fund consignment platform. Log in to the mobile banking of the corresponding bank and enter the fund sector. The fund details page generally has the option of "Fixed Investment".

Second, the choice of fixed investment funds

The main advantage of the fund's fixed investment is to spread the investment risk and cost of the fund, while the stock fund and index fund are relatively more suitable for the fund's fixed investment. Bond funds and money funds themselves fluctuate less, and the gap between fixed investment and one-time purchase is not big, which is not suitable for fixed investment.

Third, fixed investment cycle.

The fixed investment cycle of the fund generally includes daily fixed investment, weekly fixed investment and monthly fixed investment. From the perspective of expected return, the choice of fixed investment period and fixed investment date has little effect on the expected return of the fund. Investors can choose fixed investment period according to their own funds without being too entangled.

The difference between fixed investment and fund purchase is as follows

1, the ability to choose funds is different.

Buying a fund at one time requires a strong fund selection ability and buying a fund at the right time. The fixed investment of the fund is operated by a professional financial management team, and the ability to select funds is relatively strong, and the possibility of loss is relatively small.

2. Different investment risks.

The investment risk of the fund's fixed investment is relatively low, and the stop loss is the responsibility of the professional financial management team. In the worst case, investors can get the average return of the industry. If you buy a fund at one time, if the market is not good and the investor fails to stop the loss in time, there may be losses.

3, the return on investment is different

The investment return of the fund's fixed investment is relatively stable, and its ability to resist market fluctuations is strong. The return on investment of one-time purchase funds is linked to market conditions. When the situation is better, the rate of return may be higher, otherwise there may be losses.

Fund fixed investment is the abbreviation of fixed investment fund, which refers to investing a fixed amount in a designated open-end fund at a fixed time, similar to the bank's zero deposit and withdrawal method. Funds usually refer to securities investment funds.

Fund purchase generally refers to an investment and financial management method that people with idle funds can choose, and use their temporarily unused money to buy funds for investment, so as to achieve the purpose of maintaining and increasing value and winning income. In the process of fund sales and operation, some expenses will occur, which will be borne by fund investors and used to pay for the services provided by fund managers, fund custodians, sales agencies and registration agencies.

When do you make a profit and sell the fund?

First of all, we should make it clear that selling funds is a vague high probability timing problem, which is by no means an accurate time point, just like investing in stocks directly.

To sum up, there are the following indicators, phenomena and methods for reference in the timing of selling funds.

For the setting of expected return value, the traceability generally starts from the average value of the whole fund type, because the average regression in investment is absolutely established. Or from the historical performance of the fund manager, take the median or average as its expected rate of return.

For example, the annualized income of domestic fund circles in the past 20 years is about 15% to 20%. If it is a star fund manager, we will give a certain premium, assuming Buffett's annualized income is 23%. If the income of the fund I invested exceeds 15%, there is an 80% chance that I will not hesitate to redeem it. No matter how hot the market is, I believe in mean regression.

For another example, when the stock market is hot and everyone is a stock god, it is often the most dangerous time and the best time to leave. 20 15 when I'm making my own personal products, I go to Tianfu Square by subway every morning. The subway is crowded with people, but I always see many people trying to stare at their mobile phones, which show the stock K line. In the elevator, the 20-year-old girl at the front desk is talking excitedly about her stock. At this time, investors should not think about anything, just turn on the computer to sell funds and stocks.