The fund's fixed investment is the most complete ten questions and ten answers. After reading it, you can understand the fixed investment in seconds!

Fixed investment means to take a fixed sum of money out of your salary every month for investment, which is equivalent to having an investment and financial management account, and automatically depositing money into it every month. Through continuous accumulation, a small sum of money can also become a big fortune.

2. Is the fixed investment guaranteed?

Now many investors will ask whether the product can guarantee the capital preservation. Unfortunately, the fixed investment is mainly invested in funds, which cannot guarantee the capital preservation. If the market is not good in the short term, there may even be losses.

Even the wealth management products that people usually buy can't promise investors to protect their capital. What we can do is to choose the right products according to our risk tolerance.

However, because the fixed investment is bought in batches at different prices, the risk of high-level purchase is avoided. Compared with one-time purchase of fund products, the risk of choosing to buy fixed investment and hold it for a long time is relatively small.

3. How much do you usually do in a month?

every investor's situation is different. generally speaking, it is suggested that 1%-2% of salary income be used for fixed investment every month, so that the quality of life will not be affected because the fixed investment amount is too high, and no money will be saved because the fixed investment amount does not match the income.

Assuming that the monthly salary is 5, yuan, if the fixed investment amount of 5 yuan is set every month, it is actually the money for two meals or a dress, which can be saved completely.

4. Do I have to deduct money every month?

please rest assured that fixed investment is a very flexible investment tool. The deduction date and amount of fixed investment plan, including start and end, can be changed at any time.

under normal circumstances, if a fixed investment plan is set, the system will automatically deduct the corresponding amount from your account on the deduction day of each month. However, if money is tight for a while, you can choose to suspend the fixed investment plan and continue when you have plenty of money. On the contrary, if you want to invest more every month after a promotion and salary increase, you can also modify the amount of fixed investment at any time to accumulate more investment chips for yourself.

5. what is the rate of return of fixed investment?

the fixed investment of the fund can't guarantee the income. It needs to be reminded that the fixed investment is a process that takes time to accumulate. If it is only a few months or even years, the income of the fixed investment may not be much different from the short-term market conditions. Only by persisting in this matter, the effect of fixed investment and compound interest will gradually emerge.

6. There are already five insurances and one gold. Do you still need to make a fixed investment?

From the medical point of view, traffic accidents, imported drugs for the treatment of serious diseases, convalescent expenses and lost time due to illness are not covered by social security;

From the aspect of providing for the aged, the price is soaring. According to the current system, the existing pension can only provide about 2,-3, yuan of pension income every month in a few decades, but according to the rice price in the 199s, the actual purchasing power of the future pension is only 7-1 yuan, which is far from enough for the elderly who need a lot of medical expenses, nutrition expenses and nursing expenses.

From the perspective of education, the cost of training a higher education talent ranges from 4, yuan to 2 million yuan. If you don't plan ahead, where will this cost come from?

The lack of emergency medical expenses, the insufficient pension, and the need for long-term reserves to achieve the goal of education funds all indicate that even if we have five insurances and one gold, we still need to constantly save and invest for future emergencies.

7. What should I do if I don't have the habit of saving and worry that I can't stick to it?

Money is saved. If you don't save it, you will never have any money. Investors who insisted on fixed investment in the past summed up some methods and experiences, which can help you insist on fixed investment:

Set the deduction date of fixed investment as the day after salary, so you don't have to worry about making fixed investment because the money runs out at the end of the month.

Set a goal for the fixed investment in mind, such as travel, education funds, etc., and write it in the remarks of the fixed investment. The annual travel expenses abroad, my daughter's college tuition, etc., are written in the remarks of the fixed investment. There are many investors who have achieved their small goals by relying on fixed investment. I believe you can do the same!

adhere to the principle of "stopping profits without stopping losses", don't give up the fixed investment just because of temporary losses, and look at the investment from a long-term perspective, stick to it when you earn, and stick to it even more when you lose.

"Like is presumptuous, but love is restrained". If you save money for eating out and a piece of clothing, you will get the money for a fixed monthly investment!

8. What's the secret of product selection for fixed investment?

according to historical data and previous experience of fixed investment, fixed investment is bought at different prices, so the fund with greater volatility has better cost sharing effect.

For example:

Suppose we start from 1 yuan and invest in a certain product every time in 1 yuan;

The market price changes continuously, and the price changes .1 yuan at regular intervals;

during this period, the product gradually fell from 1 yuan to .5 yuan, and then gradually rose back to 1 yuan.

under this hypothetical condition, we simulated a most common market situation from falling to rebounding in fixed investment. what will happen if we insist on fixed investment during this period?

From the above chart, we can see two interesting conclusions:

When the product price goes from 1 yuan to .5 yuan and then to 1 yuan, the return on one-time investment is , while the return on fixed investment is actually 36%;

The products bought in 1 yuan lost only 3% when they fell to .5 yuan, but they actually started to make profits when they were in .7 yuan.

why did this happen? Mainly due to the nature of regular fixed investment. At the lower price, we also invest the same amount, so the share of buying at the low price will become more, so that we will get more share returns when we rebound.

when the market falls, by continuously buying at a low level, the average cost of admission can be reduced and more chips can be added at a low level. When the market is welcoming a rebound, you don't have to wait until you return to the original point, and you can start to make a profit with a fixed investment.

9. when will the fixed investment be completed?

There are four ways to choose the deadline of fixed investment:

Set a fixed investment plan, for example, if you plan to get married in five years and prepare to save a wedding fee, then set a monthly fixed investment plan for five years.

set an indefinite fixed investment plan, such as pension and education fund.

Set a fixed investment plan with a certain rate of return, such as redemption when the return on fixed investment exceeds 2%, and you will feel the market fluctuation. When the rate of return reaches the figure you set, you can judge that the market will rise again, so you can wait a little longer. On the contrary, if you feel that there may be a downside risk, you can also go out first and wait until it is "cheap" before continuing to vote.

set a fixed investment plan with a target amount, and set your ideal amount as the ultimate goal of the fixed investment plan. After reaching the amount, you can stop the fixed investment, for example, the travel expenses will be 3, yuan, and the plan will be suspended when you reach it. The advantage of this method is that you have more goals and motivation to continuously save money for fixed investment, and with the increase of income, you can shorten the fixed investment time.

1. Why do you want to make a fixed investment?

Fixed investment is a lonely journey, and it can't bring you the joy of standing at the highest point. Behind the students of famous schools is reading at night day after day, and behind the world champion is unimaginable hard training every day.

excellent investors are lonely, because they always stand on the opposite side of greed, comfort and enjoyment, and fixed investment is such an investment tool that can help us overcome human weakness.

it makes you stop being indecisive about the time to enter the market, lets you get rid of irrational chasing after ups and downs, and lets you pursue your wealth goals and ideals through accumulated restraint instead of hoping to get rich overnight.

fixed investment can't change life, it changes ourselves.

if you also choose a fixed investment, please don't come here at the peak, and don't turn around and leave at the bottom, and encourage your friends who insist on a fixed investment.