Generally speaking, there are two types of investment in the fund , namely single investment and regular fixed investment (fixed investment). For this investment method, it is easy to buy at market highs, but when there is a pullback, the market does not increase capital, resulting in a long time from capital recovery to profitability.
Regular fixed investment, often referred to as fixed investment, refers to each fixed period of time (for example, every 25th of the month, every Tuesday, every pair of Wednesdays, every day), in a fixed amount (for example, 10 yuan, 100 yuan, 1000 yuan) ) invests in the same fund or in multiple funds. Fixed investment is also similar to the “zero deposit and one withdrawal” of bank savings, but the risks and returns will be very different. Since it is a bulk purchase, the biggest advantage of fixed investment is the average investment cost, avoiding the hassle and risk of time.
Because fixed investment can save purchase time, share costs, reduce investment risks, and has multiple advantages, fixed asset investment is also more and more popular. According to the characteristics of fixed investment, there are four types of people suitable for fixed investment.
fixed salary office worker
For most office workers, there is usually not much left over after deducting daily living expenses. Due to the low fixed investment threshold (from as low as 10 yuan), office workers are best suited for regular use of fixed amounts of fixed investment.
People who focus on work and don’t have time to manage money
According to the fund purchase rules, if they buy the fund before the close of 3 pm on the same day, their shares will be calculated according to the net value of the day ; if they buy , their shares will be calculated according to the net value of the next trading day.
For many people with high work intensity and very busy working hours, such as doctors, it is easy to forget to buy at the right time because of their busy work, thus missing investment opportunities. Setting up fixed investments for automatic deductions is the most time-saving way for people who are focused on work and don’t have time for financial management, while funds are setting fixed investments.
people with low risk tolerance
Long-term investment can be carried out automatically. Most of the investment objects of stock and hybrid funds are stocks, and the fluctuation of the stock market affects the fluctuation of the net value of the fund for a long time . For those who want to benefit from investment funds and are unwilling to take high investment risks, fixed investments can be selected.
This is because the fund has the advantages of long fixed investment time and high weighted average investment cost, which can effectively reduce the overall investment cost and reduce the risk of price fluctuations, which can not only meet the needs of income, but also control risks.
Someone who needs a lot of money sometime in the future
For the post-80s and post-90s, they will not only become the backbone of society, but also the backbone of the family. Not only the pressure to support the elderly, but also the pressure of housing and raising children. Whether it’s a parent’s pension or a child’s education fund , the future will be a huge expense.
Not only are fixed investments “saving” in nature, but the fund’s annualized rate of return is significantly better than inflation over the long run. When you already know that you will have a lot of capital needs at some point in the future, you can plan ahead by investing in small amounts on a regular basis. This point in time also costs a lot and doesn’t require much effort.