fund itself is a long-term investment, and it will experience some short-term fluctuations in long-term investment. This is normal. Investors should maintain a good attitude and be cautious. If they are not strong in investment, they can choose the fund fixed investment method to invest. Fund fixed investment can share costs and reduce risks. Speaking of fixed investment, many people have a misunderstanding: fixed investment will not lose money. In fact, the reason for fund losses is not because you choose fixed investment. In the final analysis, the real reason for fund returns is fund selection, investment cycle and entry time. Today, the editor will talk to you about the relevant content of "fund fixed investment", hoping to help everyone.
1. The formula for fixed investment of funds
1. Stop profits and stop loss
1. If you want to get good results, it depends on the market to get out of the smile curve. When the market continues to fall, this is actually an opportunity to pick up cheap chips. If you stop loss and exit at this time, then the entire fixed investment will be wasted. Buy at the high point and sell at the location. Who will lose if you don’t lose? If you want to buy low and sell high, you have to overcome your fear and when the market falls. Stick to fixed investment and wait patiently until the market recovers. When your fixed investment starts to make a profit, we must also take profit in time. There are many ways to take profit, such as the target take profit method, step-by-step selling method, etc. In the long run, the average annualized expected return of the domestic stock market is about 10%. Individuals can set a fund fixed investment to reach 15% of the expected return, and start to consider taking profit.
2. Undervalued buy, overvalued sell,
. Fixed investment index fund. We can decide on the redemption of the electronic purchase based on the valuation. Time, when the index is undervalued, start regular investment, continue to hold when the valuation is normal (the fixed investment can be suspended), and redeem the fund when the index is overvalued.
3. Buy undervalued index or high-quality index
. The key to fixed investment in funds is to choose a good target. It is recommended to choose the undervalued broad-based index of the current market to start regular investment. In addition, high-quality indexes such as consumption., medicine, etc. can also be considered appropriately, but the entry time should be determined based on valuation.
2. Misconceptions about fixed investment in funds:
1. The weak market stops, and the middle road gives up
. In the practice, it is best to experience a complete smile curve. Compared to experiencing the market that rises first and then falls, it is undoubtedly luckier to meet investors who fall first and then rise. Adhering to fixed investment in the market that falls is conducive to reducing the cost price of investment and accumulating more fund shares. When the market rises and the net value of the fund hits a new high, investors are expected to obtain better returns because they have accumulated enough fund shares.
2. Volatility and Fund Selection
Before starting long-term investment, it is very important to choose relatively correct funds and do a good job in asset allocation. Because many of the future gains of investors are determined by asset allocation. For fixed investment strategies, based on the preservation and appreciation of assets, funds with a certain volatility need to be selected. .But in terms of specific fund selection, it is not that the greater the volatility, the better.
3. Due to some reasons, the subsequent funds are insufficient
fixed investment strategy is great in ordinary persistence. Ensuring the investment of cash flow is particularly important in difficult market conditions. Not every investor can accumulate more spare money every month as time goes by. As time goes by, various uncertainties Expenditures such as house purchase and change, children's education, serious illness medical care, special accidents and other events may come one after another.
4. Expecting quick profits
From the perspective of human nature, it is in line with human nature to earn more profits in a shorter time. However, for fixed investment strategies, it is not good to have large profits prematurely. Because this greatly increases our investment costs and makes it difficult for our limited funds to find a better investment place. Therefore, we repeatedly emphasize: Although Jinding Investment is based on the present, it should focus on winning in the future. Double the total investment in 5 years is much more meaningful than double the small investment that only invested in 5 months.
5. Fiercely waiting for the bear market to start regular investment
. Some investors believe that since the smile curve is important, it is beneficial to spread the cost and accumulate share in the bear market, I will wait for the bear market to arrive before starting regular investment. This idea is of course very good, but there are also some cognitive misunderstandings.
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