For beginners, investing in money funds and bond funds is relatively stable and safe, but if you want to invest in stock funds, you need to change your investment methods. Today, Bian Xiao will share with you the introductory operation guide for fund fixed investment, for reference only!

The volatility of stocks is very large, and it is normal for stocks to rise and fall by a few percentage points a day, but it is difficult for many novices to bear such ups and downs financially and psychologically.

Therefore, investing in stock funds with fixed investment can reduce risks and achieve the purpose of steady appreciation, which will be more friendly to novices.

What is the fixed investment of the fund?

The fixed investment of the fund refers to the fixed investment of the fund in a specified period, such as investing 100 yuan in the fund every day, or investing 2000 yuan every month.

In fact, it's a bit like a bank's deposit and withdrawal business, which saves money regularly and takes it out at one time after the time. The difference is that bank deposits have no volatility, while fixed investment funds have certain volatility.

Why do you recommend novices to make fixed investment?

Since the fund's fixed investment has certain volatility, why should we recommend novices to make fixed investment?

Mainly because the fixed investment has four advantages:

First of all, the investment threshold for fixed investment is very low. Many funds only need 10 yuan or 100 yuan to invest. The professional requirements are not high, and it is relatively easy to understand and get started.

Second, when we make a fixed investment, we can invest with a small amount of funds that we don't need in the short term, which will not cause us too much financial pressure and psychological pressure.

Third, fixed investment also has the function of compulsory savings. If you persist for a long time, the investment income will be considerable.

For some moonlight people who don't pay attention to spending money, it is actually good to form the habit of compulsory savings through fixed investment.

Finally, fixed investment is conducive to sharing investment costs and reducing risks. This is also the core principle of the fixed investment of the fund.

Will a fixed investment definitely make money?

Since the fund's fixed investment has so many advantages, will it definitely make money?

Actually, it's not. We went to various financial communities and knew that there were many people who made money by fixed investment, but there were also many people who lost money by fixed investment.

Therefore, if the fund wants to make money through fixed investment, we need to understand and plan our investment before fixed investment.

How to choose a fund for fixed investment?

Although the fixed investment of the fund is lazy, as long as it is an investment, there will be corresponding risks. How should Xiaobai avoid risks and choose a fund for fixed investment in the whole process of fixed investment?

I. Fund Selection

It is best to choose stock funds and index funds with large fluctuations in unit net value for fixed investment, and maximize the power of fund fixed investment in a relatively long period of time.

We choose index funds mainly to look at the index. If the index goes well, the fund can make money; If the index does not go well, the fund will lose money.

Index funds are generally divided into two types, one is generalized index funds, and the other is industry index funds. Broad-based index foundation covers many industries and generally reflects the overall situation of a market and economy. The investment of industry index funds is mainly concentrated in a certain industry or field, which reflects the performance of an industry.

Some people say that investment is like gambling. Indeed, investment is sometimes a gamble.

Therefore, we can also understand that investing in broad-based index funds is gambling on the national luck, investing in industry index funds is gambling on the prospects of a certain industry, and investing in stocks is gambling on the future of a company.

Usually, broad-based index funds are the first choice for novice investors, because betting on the National Games has the greatest probability of success. Common broad-based index funds in the market include Shanghai and Shenzhen 300 index funds, CSI 500 index funds, SSE 50 index funds and GEM index funds.

There are several points to pay attention to when choosing a fund:

1. There is no such thing as the best fund. The selection of funds should consider the strength of the company, the ranking of similar funds, the development of funds, the time of admission and the time of sale. There is no such thing as the best and the best. Try to find something reliable.

2. The zero-based small white fixed investment fund needs to set a profit-taking point, which is worrying. Still do not change the lending strategy, and rise to a certain income. I don't know how to stop loss, so I have to set a profit-taking point, to what extent and when to stop loss.

3. Don't be greedy when buying funds. If you invest in this fund, you will covet "better" funds. Listen to friends say that this fund makes money, so you invest in that. In this way, the amount will be more, but the income will not necessarily increase, not to mention the frequent capital switching, and the borrowing cost will only be higher.

4. The net value of fund units cannot be explained too much, which can be used as a reference, but it cannot be used as a key condition for screening funds.

5. Don't risk investing in new funds.

6. Always pay attention to fund changes and platform announcements. Whether there is any negative information such as the change of fund managers.

7. Zero-based small white fixed investment funds should not ignore the fixed investment channels, and the cost gap required for fixed investment by different companies and regions is also large.

Second, the fixed investment cycle-daily, weekly and monthly fixed investment

Generally, when we start the fixed investment plan, we need to choose one of these cycles: fixed investment every trading day, fixed investment every week and fixed investment every month.

Many people have doubts about which fixed investment cycle is better.

In fact, for the same fund, the income gap between daily fixed investment, weekly fixed investment or monthly fixed investment is actually very small, and the annualized income gap is only a few ten thousandths.

For many wage earners, income usually comes on a monthly basis, so it is relatively appropriate to take a fixed monthly investment.

Third, fixed investment.

In addition to the selected fund and fixed investment cycle, there is another element that needs to be clarified in the fixed investment plan, that is, the fixed investment amount.

Generally, you can refer to the following methods when deciding how much money to spend on a fixed investment every month.

Because many young people now spend a lot of money, it is very stressful to save two or three thousand yuan a month.

Then at this time, it will be more appropriate to adopt a fixed investment method with spare money.

Generally, you can make a fixed investment with half of the remaining funds after deducting expenses from your monthly income, or 10% of your monthly income.

That is, the monthly fixed investment amount = (income-expenditure) ÷2 or = income-10%.

However, it needs to be considered in combination with other aspects of planning. After excluding other preparatory expenditures, the remaining funds can be considered for fixed investment.

In short, fixed investment requires long-term investment, so we must consider our own economic ability and not cause too much financial pressure on ourselves.

Fourth, how long will it take?

The fixed investment of the fund is a very long process. If the investment time is too short and the capital has not accumulated, even if it rises sharply, the income will not be much.

In this process, we will experience a lot of uncertainty. Intermediate profit need not be too tight, 3-5 years to more than 20 years. Only by preparing for a long-term battle can we get the expected benefits, and the last laugh is the ultimate meaning of fixed investment.

Any transaction is a game process, and you are struggling internally. Many times, you lose not the market, but yourself. Therefore, whether it is in the fixed investment of the fund or in other investments, we must straighten our minds and clear our minds in order to make correct decisions.

On the other hand, we should also pay attention to the changes in market conditions and withdraw in due course. Take profit timing is very important for fixed investment. In a bull market, the income from our fixed investment will generally rise sharply. However, if we don't leave before the market starts to fall, the rapid decline in the future may erode the original income of our fund account.

We can refer to the following three relatively simple profit-taking methods:

The first is to look at the valuation. Each index will have a corresponding valuation. You can understand valuation as an estimate of current value. The lower the valuation, the cheaper the index is now, and the safer it is to buy at cheaper points. However, as the stock price rises, the valuation will become higher, which means that the index will become more expensive, so when the valuation is too high, we should consider selling and taking profits. That is, buy when undervalued and sell when overvalued.

The second is to set a target rate of return, and after reaching the target, make a profit and leave. This rate of return can be the total rate of return or the annualized rate of return. Generally speaking, if it is a broad-based index fund, we can set the target annualized rate of return at 10%- 15%.

The third is to judge according to market sentiment. I believe many people have heard the saying, don't invest in crowded places. If the market sentiment is obviously overheated and everyone is frequently discussing the topic of making money in the stock market, it may be necessary to consider making a profit at the right time.

There is a saying that the best time to plant a tree is ten years ago, followed by now!

Investment and financial management and fund fixed investment are actually the same, and now is the best time.

I hope this article can become an important node for you to start the road of fixed investment in the fund, and I hope you can accomplish more dreams through investment and financial management.

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