Intelligent fixed investment skills of funds

1. First of all, I am very optimistic about the investment of the fund. Monthly accumulation and compound interest investment, from the perspective of long-term investment, the income is considerable. But for investors, especially young investors, in my opinion, the biggest charm of fixed investment lies in compulsory accumulation. The second is compound interest growth. It is empty talk not to accumulate all the investments, but it is easier said than done for people nowadays, especially young people. Master Moonlight and Princess Moonlight can always find a stable home for them when their salary is not paid.

2. Some people say that the most important thing of fixed investment is persistence, and I agree with his importance. But I think it is more important to grasp the timing of the final redemption of the fixed investment, because it can make a world of difference in your income. For example, at the end of 1990, when the stock market just started, it also made an index fixed investment (assuming that there was such a business at that time). Monthly 1000 yuan. It was held and redeemed in 2005, with a total investment of1000 *12 *15 =180,000 yuan, and a total redemption of about 280,000 yuan, with a compound annual growth rate of 5.55%; However, it was fully redeemed at the end of 2007, with a total investment of1000 *12 *17 = 204,000 yuan, with a compound annual growth rate of 18.46%. The difference is obvious.

3. At present, the index fund is mainly recommended for fixed investment, which has its own advantages such as low cost, strong representativeness and suitability as a long-term target. However, there are still many subdivisions in index funds. I recommend small and medium index funds. Judging from the historical experience of mature capital markets in many developed countries. The long-term yield of small and medium-sized stock index is much higher than that of the market index. More importantly, the fluctuation range of small and medium-sized innovation index is much larger than that of the broader market index. Because the greater the fluctuation, the better the long-term return. Many people may not understand. To give a very simple example, the two funds are fixed and the amount is the same. The first one in the first three months is 1. Yuan, 0.8 yuan, 1.2 yuan; The second ones are 1 yuan, 0.5 yuan and 1.5 yuan. In the fourth month, when the prices of the two funds are the same, the income of the second fund must be better than that of the first fund. This is a simple mathematical principle. You can do the math yourself if you don't believe me.

4. It is suggested that when selecting investment targets, we should pay attention to the differences of fund rates for several fund varieties with similar historical performance, such as whether there are back-end fees, management fees and custody fees (index funds are particularly important). Some people think that the handling fee of several yuan per month is nothing. But don't simply measure it with a few dollars. Take the front-end charges as an example, you will lose 65,438+0.5%, and the final total income will be reduced by 65,438+0.5%. The huge numbers are frightening. Taking the above example as an example, if front-end charges are used, the income will be reduced by about 20,000 yuan. Of course, this premise is that the performance of the alternative funds is similar. For funds with obvious excellent performance, the rate can be considered as a secondary position.

Many people, especially young people who have just joined the work, say that they are not sure about spending too much, so they can't insist on fixed investment. I'll give you a good practical method. Suppose you make a fixed investment of 65,438+0,000 yuan per month, you can buy an additional monetary fund of 3,000-5,000 yuan in your fixed investment account. When you are short of money or financial difficulties, you can take the money in advance and make up the extra money, which is like a reservoir function, especially in the initial stage of fixed investment. This method is very easy to use.

6. Set small fixed investment for large fixed investment. The so-called small fixed investment can be understood as additional fixed investment, that is, when the stock market fluctuates greatly and there is a short-term low point, this low point can be set by itself, such as continuous decline of more than 20%, or the market index falls below the 500-day moving average. Buy 3-5 times the monthly investment, so that the final income will be higher than ordinary regular investment.