Basic knowledge of fund fixed investment

Basic knowledge of fund fixed investment

Fixed investment is a common fund investment method, which refers to a fixed amount of batch investment in the target fund at a fixed time interval. The investment method of fixed investment can better disperse investment risks and has the financial management function of gathering less and making more. Then, the following is the basic knowledge of fund fixed investment that I have compiled for you. Welcome to read and browse.

1, people who can't accept losses don't buy funds.

Many people buy funds, and the first question they ask is: Is it a loss to buy funds? People who know a little better will ask more carefully: is the money fund losing money?

It is good to have a sense of risk, but the person who asks this question shows that he still doesn't know much about the fund. Simply put, a fund pools everyone's money, and then the fund manager invests for us, such as buying and selling bonds or stocks. Investment is definitely risky, remember one sentence: no foundation promises to protect capital and interest.

Although the risk of the money fund is extremely low, there has only been a loss on one day of 13 in history, strictly speaking, the money fund may also lose money. Therefore, people who can't accept a little loss should not buy funds.

2. Don't buy a fund if you want to sell it easily.

Funds are not suitable for day trading like stocks because of the high transaction cost.

We can negotiate the stock handling fee with the brokerage company. Some people can even get two ten thousandths of the rate and buy 10000 shares, but the handling fee is not higher than that of 2 yuan. But the fund will not work, and the transaction rate of the fund is fixed. For example, for mainstream hybrid funds, the subscription fee of 40% discount is six thousandths, and the handling fee for buying a fund of 1 0,000 yuan is 60 yuan.

So those who buy funds in a hurry without knowing anything, if they find it difficult to sell the funds in a few days, they will lose a few meals ~ ~ ~

People who want to invest in the short term should not buy funds.

Knowing the risks and rates, you will understand that the fund is a tool suitable for long-term investment. Long-term holding (especially fixed investment) can reduce risks; Long-term holding can also reduce the rate. For example, many funds can be exempted from redemption fees if they are held for more than 2 years.

Therefore, people who want to make short-term investments should not buy funds, especially when there is a large demand for funds in the near future, such as buying a house or a car. At most, don't buy other types of funds under the transformation of goods base.

4. Don't buy funds once and for all.

In this world, there is really nothing once and for all. Many people think that once I start investing in funds, I don't have to worry. As long as I deduct the money on time, I can enjoy the benefits.

Although the fixed investment is lazy, it also pays attention to ways and means. For example, what about the fund that you decide to invest in? What changes have taken place in the later period? Do you want to redeem it if you make a profit? These all need you to follow up and adjust regularly.

But fortunately, we have a smile to vote, so we can give this trouble to our professional fund analysts. You just need to log into a good planning account every day, buy regularly and brush the income.

Basic knowledge of fund fixed investment

First, it pays too much attention to past performance and third-party star rating, ignoring the research on investment places and uncontrollable risks.

In the past, the investment income of this fund was good, and there were even subscription restrictions and quotas. The reputation of fund companies is also very famous. The fund manager is the investment director of the company, so I have never had the experience of making a fixed investment. After consulting a third-party evaluation agency, I decisively chose this 5-star equity fund.

But half a year later, the fund company vigorously carried out marketing activities to make this fund pay a large dividend, and then let go of the subscription after the net value became lower, making this fund become? Big base? As the saying goes? Is the boat small enough to turn around? The super carrier's stock market became extremely heavy at the end of the year, and then the stock market fell. In the past five years, the price of this super carrier has fallen to 0.4 yuan, and the former scenery is gone forever.

Second, the choice of fund managers is very important.

At the beginning, I chose the fund manager because he did have excellent investment performance and served as the investment director. In retrospect, I regret this decision very much. With the development of fund business, managers are assigned to manage another fund because of their excellent performance, so there is a situation that one person manages two funds.

Although many fund managers now manage 3-4 funds by themselves, people's energy is limited after all, so when the price dropped to around 0.7 yuan, the fund company promoted a manager * * * to manage my fund. Looking back now, it should be that the income of this fund has never improved since then. Later, when buying a fund, it is more cautious to choose a fund manager. Now I have invested in a fund and found that the fund manager has been dealing with pharmaceutical companies for more than 10 years, so I have been making good profits since I bought the pharmaceutical fund.

Third, fixed investment is not lazy, so we must think hard and work hard.

In the first two years, I invested in 500 yuan on 1 every month, and I never stopped, but when I looked at the figures on the income statement, I felt chilling. So I began to pay attention to investment information and consultation lectures, only to know that the original fixed investment can change the investment amount every month. As long as the direction is right, I will invest more when the price is low and less when the price is high, which can reduce the purchase cost price. In the next three years, I began to change the investment amount diligently. Take a fund I invested in as an example. As long as the price falls below 0.6 yuan, I will invest 1000 yuan, and when it rises above 0.6 yuan, I will invest below 500 yuan, so today's books will look much better and I won't make money at a loss.

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