Fixed-term indefinite quota

2. Which of the following cannot use the simple voting method?

A. pension plan? B. Children's Education Fund? C. Travel reserve after 30 months? Money for buying a new mobile phone after d months.

Answer: D. The first condition of the simple voting method is long-term persistence. In the classroom, the senior sister taught everyone that in order to share the investment cost equally, the money invested in fixed investment should be invested in batches, which can be shared within 20 months, and the friends can also adjust according to their own situation. You can choose 15 months to complete the investment quickly, or you can choose 30 months to complete the existing funds. However, in order to spread risks, the fixed investment time should not be too short.

3. Which statement is correct about the long-term input temperature of the index? (multiple choice)

A. the temperature of long-term investment changes rapidly, and it changes greatly in one day?

B. the exponential long-term temperature fluctuates up and down within a certain range.

C. Can you pay attention to the official account of long-term investment in WeChat and know the weekly long-term investment temperature?

D. the change of long-term investment temperature is meaningless for fixed investment.

Answer: BC. The temperature of long-term investment fluctuates within a certain range. The official WeChat account of the medium and long-term investment school will update the temperature of medium and long-term investment every Tuesday. Welcome everyone to pay attention.

4. What is the difference between fixed investment and fixed investment?

A.0.05%? B 1.5% C 3%

How to combine simple investment methods with your own actual situation and formulate a special fixed investment plan?

There are two ways to make fixed investment for several targets at the same time, and divide these targets into different account operations independently.

You can also count all the goals together and make a fixed investment in the same account.

First, determine the monthly investment amount.

1. Separate method: three accounts can be opened, or three different brokers can be used for fixed investment.

Taking Lily as an example, the demonstration is as follows:

(1) Lily designs a retirement investment plan for her mother and calculates how much living expenses she needs after retirement:

Specific calculation:

① Monthly living expenses: Now it is 3,000 yuan a month, which is basically the retirement expenses. Inflation needs to be considered.

Monthly living expenses after retirement = current monthly consumption amount *( 1+ inflation rate) to the n power.

N = the time between now and retirement.

Pension demand = monthly living expenses * 12* expected life after retirement.

Note: This living expense is only calculated according to the current living standard. In fact, pensions may need to be recalculated every two years to ensure the same level of pensions in the future.

Lily's mother is 45 years old and retired at the age of 60.

Suppose you live for at least 20 years after retirement, and the monthly living expenses are 3,000 yuan, and the annual price increase is calculated at 6%.

Monthly living expenses after retirement

= 3000 * (1+6%)15 = 7190 yuan.

Total cost of living for another 20 years after retirement =

= 7190 * 20 *12 =1725600 yuan

② The problem of Lily's children's education fund.

When she 18 years old, she wanted to study in England. Usually she has to study for three years. One-year tuition is about10-15,000+living expenses are 50,000-80,000 =150,000-230,000/year, and three years = 450,000-690,000.

Plus the possibility of rising prices, it is 480,000-740,000. On average, it costs about 650 thousand.

(3) Lily started to invest in Europe at the age of 30, with a target amount of 90,000.

1233 target amounts and years are determined, and the monthly fixed investment amounts of the three targets are calculated by formulas respectively.

=PMT(r/ 12，n* 12，，FV， 1)

The monthly fixed investment is as follows:

Lily's mother = 2549.438+0 yuan.

R is 15%, n is 15, and FV is 1725600 yuan.

Children's education fund =8 13.83 yuan.

Lily = 1003.55 yuan

Second, choose index funds according to the long-term investment temperature of the index.

It is assumed that the lowest temperature of lily's fixed investment is CSI 500, and the temperature is 12.3 degrees.

Third, buy according to the long-term investment temperature.

The temperature is between 10-20 degrees, and 80% of the fixed investment is invested.

①*80%=2039.53

②*80%=65 1.06

③ * 80% = 802.84 yuan

Put all this money into CSI 500. Because the investment time is different, if you want to track it conveniently, you can make a fixed investment in three securities accounts.

Fourth, index fund switching.

If Lily decides to vote, the temperature of the H-share index will be lower, 5 degrees lower than that of the CSI 500.

Then it will be changed into a fixed investment H-share index fund, and the CSI 500 will continue to hold it until the temperature exceeds 40 degrees.

You can put the three goals in three accounts for fixed investment.

In fact, you can put all your goals in one account.

This requires everyone to record their fixed investment in each project.

1 sec calculates how long it will take to double the assets.

Formula: Rule 72

In use

1. asset doubling time =72÷ annualized income

① Assuming that the annualized income can reach 12%, the time to double the assets is:

Then divide 72 by 12 to get the number 6, which is the time to double our assets =6 years.

(2) Assume that the annualized income of fixed-term and irregular-fixed investment method reaches 65,438+05%, and the time required for doubling assets is 4.8.

For the same principal, the difference is only 3%, and the time for doubling assets is nearly 1.2 years less.

2.72 The rule is used backwards.

Rate of return =72÷ investment years

For example, if Xiaoming has a deposit of 6.5438+0.5 million yuan and wants to double his assets in 654.38+00 and buy an Audi of about 300,000 yuan, then we divide 72 by 654.38+00 to get 7.2.

It means that Xiaoming can double his assets in 10 as long as his financial return rate reaches 7.2%.

If you want to double your assets within seven years, the financial yield =72/7= 10.29%.