What should Alipay pay attention to in its fixed investment?

According to my personal experience, I will tell you some points that should be paid attention to in the fixed investment of Alipay Fund.

First, long-term persistence.

Generally speaking, the stock market has a complete fluctuation cycle, ranging from one and a half years to 357 years. In the time period of fixed investment, investors mainly experience book losses because of short bulls and long bears. People hate losing money. Long-term losses often make the fixed investment give up halfway, and can't persist in the next market rise. Share joys and sorrows? Get a reasonable long-term investment income. In this regard, it is suggested that investors with fixed investment in the fund change their thinking. As long as it is confirmed that there is no problem with the selected fund, a bear market is a good opportunity to collect chips and find cheap ones. The longer the bear market lasts, the richer the future returns will be.

Second, conquer human nature.

Greed and fear in human nature are the enemy of investors. When the stock market falls, they dare not shoot and often miss the opportunity to wait and see. Chasing up in the rising market, the income is still greedy to achieve the expected goal, and the heavy position does not control the risk. I finally took a roller coaster. Therefore, it is best for ordinary investors not to try to predict the market, not to guess the bottom and top, but to adopt a stupid and mindless way of fixed investment, not afraid in a bear market and not greedy in a bull market.

Third, set a reasonable profit-taking standard.

According to a large number of historical data, it is concluded that in the long run, the reasonable profit-taking standard for fixed investment of funds is 8 ~ 20% of annual compound interest income. The longer the fixed investment period, the closer the income is to the average of 8 ~ 12%. The above standards can be used as a reference standard for fund fixed investment and profit taking. Especially in the big bull market, when investors are crazy and the long-term annualized income reaches 20%, investors must overcome their greed, make profits in batches and partially, control their positions at a reasonable level, and pay attention to the risk of collapse. There is a saying that the failure of investors is mainly in the bull market, because people's greedy nature and impulse often lead to irreparable losses.

The fixed investment of the fund is actually a practice of ordinary people. The mentality of getting rich overnight is not good, and it is not good to get quick success and instant benefit. We need to persist for a long time, be friends of time, rely on the power of compound interest, and rely on the spiraling trend of the stock market to obtain the average investment income of the market, realize wealth appreciation and resist inflation.