Long term fund regular investment, seeking recommendation, the most suitable fund for long term regu

The Guotai Nasdaq 100 is invested in the NASDAQ market in the United States and can be configured.

Rongtong SZSE 100 is invested in 100 kinds of Shenzhen Exchange in China, and is not recommended.

The reason is that you can look at the NASDAQ index and the Shenzhen Stock Exchange index respectively, the ** market in the United States is relatively mature, basically according to its economic development for a long time**, and the middle is affected by economic factors**. China's ** market is currently not sound legal system, investors are immature, long-term investors are vacant, basically affected by industrial capital and frequent large fluctuations, investment index is easy to lead to repeated returns, that is, to take the elevator, it is recommended to invest in the hybrid **, the risk will be smaller, in addition to the regular investment method, the hybrid ** recommended Harvest financial growth.

Rongtong SZSE 100 holds a certain number of bonds, so it is relatively stable.

But from April 10 as the starting point. Comparison of the two. The Cathay Nasdaq 100 is stronger than the Shanghai Composite Index.

Of course, the commission for buying at **company** is the most favorable.

Since you are making long-term investments, you should moderately pursue higher returns and be more volatile.

The expected yield of choosing the Cathay Nasdaq 100 should be stronger than the market average.

It's just a personal statement, and it's ultimately up to you to decide which one to invest in.

**There are risks, and regular investment needs to be cautious...

Long-term** regular investment depends on the timing of the regular investment and the project of the regular investment. According to the current state of the company, find some exponential better, and the human factor is relatively small. **The company's personnel turnover is too high, resulting in the sustainable development of the project is not high.

Personal insights. Investment is risky, maintain a certain degree of caution.

Choose the right type, index, type, more suitable for regular investment.

To choose a good company, we should choose a company with a certain reputation.

Pay attention to the number of years of establishment, the longer it has been established, the more suitable it is for regular investment.

Pay attention to the manager's past performance, if you are passive, you don't need to pay attention to the manager.

Pay attention to the allocation of internal assets, from the perspective of risk aversion, the correlation of various assets should be weaker, and at the same time, it is necessary to avoid the "sunset industry".

Both index and **type are suitable for long-term fixed investment, and it is necessary to choose those underlying stocks that are in a high boom and high track.

Extended information: 1. A few simple tips to teach investors how to choose a high-prosperity and high-track **:

1. Look at the underlying stock or the industry to which the company belongs, if there is an industry supported by the state, it is a high-prosperity industry, and if it is an industry suppressed by the state, it belongs to the sunset industry, and it is not considered at this time.

2. Check the past performance of the ** manager, although the past performance cannot represent the future income, but the past performance is higher than that of other ** managers, indicating that his return on investment is higher than others, and the future is also trustworthy.

3. Looking at the experience, 5-10 years is preferred. There is a saying that China has been rotating for bulls and bears for 7 years, and the best managers who have experienced bull and bear markets have more experience than others.

4. Check the maximum drawdown of the ** manager, the maximum drawdown can see the anti-risk tolerance, the maximum drawdown within 3 years is best within 30%, and the higher the ranking of the same kind, the better.

2. The benefits of long-term regular investment:

**Regular investment refers to investing in a fixed amount at a fixed time into a designated open**, and there are the following benefits of insisting on long-term regular investment:

1. Compound interest effect.

The income of the regular investment plan is a compound interest effect, and the interest generated by the principal is added to the principal to continue to derive income, and the compound interest effect becomes more obvious over time through the effect of rolling interest.

2. Average investment cost.

The regular investment funds are invested in installments, and the cost of investment is high and low, and the long-term average is relatively low, which disperses the investment risk to a large extent.

In the process of long-term regular investment, investors should choose to carry out regular investment operations when they are in the channel, and when they are in the channel, they can reduce their holding costs, diversify risks, and wait for the net value to achieve the effect of smile curve; You can set the take-profit level to ensure its returns, and there is no need to set a stop loss, and at the same time, change the dividend method of regular investment ** to dividend reinvestment.

1. The long-term return is high, and the fixed investment is a relatively long process, Doumei has always recommended that you invest for at least 3 years, so we should choose the ** with a high long-term rate of return.

2. Large fluctuations, compared with one-time investment, one of the biggest advantages of regular investment is to dilute the cost, and the volatility is large, which means that you buy more at the low level, buy less at the high level, and pick up more bargains.

3. Stable quality, since you want to invest for a long time, of course, choose the **management team is stable**, and frequent replacement of **manager will often lead to a decline in performance.

**Regular Investment: 1Insist on no less than 10% of your monthly income every month, and 20% will be used for regular investment.

2.It is recommended to invest in index** or **, not bonds** and currencies**. Recommend CSOP 300, CSOP SZSE Component Index ETF (back-end fee)...

3.Select the old ** with stable performance for more than three years in famous brand companies. The old ten ** companies are: Huaxia, Bosera, Harvest, Nanfang, Cathay Pacific, Guangfa, Fuguo, E Fund, and Qiaodo.

4.It is best not to be lower than one market cycle, that is, not less than the complete process of a bull and bear market. It is better to go from bear market to bull market Minqing, not from bull market to bear market.

In fact, the best regular investment is to continue to invest for more than ten years, every month, without interruption, and it is best to invest for life.

5.Don't be too scattered, it's best to choose one to two good ** and keep casting, don't change around, and don't be too scattered.

6.Don't be afraid to terminate the regular investment in the bear market, but instead increase the regular investment, because you can have more chips.

The bull market can be less fixed, but it does not have to be terminated, and it is never necessary to invest more in the bull market, because the more you are on the high, the greater the chance of the future. It is recommended to use regular investment every other month in the bull market, that is, to remit money to the card every other month, so that it can be traded, and the money of the month that has not been invested is accumulated on the side, and when the low price of the bear market is low, you can eat more shares at one time or in batches, and the bear market fixed investment is still carried out.

7.Don't stop deducting for three consecutive months, the regular investment agreement will be automatically terminated, and it will have to be opened in the future.

8.Long-term regular investment is recommended to choose: dividend reinvestment + back-end fees.

9.Set the right mentality, don't waver, stick to the regular investment every month, and don't be affected by the outside gossip and terminate the regular investment. It's only a few hundred yuan a month, and you can build a good financial foundation for the future.

**Regular investment is an investment method that stabilizes the expected annualized expected return, but for some people, regular investment means that the investment ** cannot be misappropriated, resulting in a shortage of personal funds, resulting in the purchase of liquidity** products, and they feel that as long as they understand the ** regular investment strategy, they can obtain a lot of expected annualized expected returns.

1.Bull market investment

When the market is in a bull market, the market is basically higher, in this case, you can choose the beginning of the month, although you may not necessarily buy the lowest, but by the middle of the month or the end of the month, the index will generally get higher and higher.

2.Bear market investment

When the market is in a bear market, the market is basically lower, in this case, you can choose the end of the month, although you may not necessarily buy the lowest, but by the middle of the month or the end of the month, the index will generally get lower and lower.

3.**Regular investment in the city

When the market is in the market, you can divide the monthly fixed investment into several parts, generally there will be several yin lines every month, and when the yin line or the market continues to adjust, this kind of investment does not need to be watched at all times, you can place an order in advance (such as hanging down 2%), or decide whether you need it when you are close to 5 minutes.

4.Stop and double

When all index valuations are in the overvalued area, it is recommended to stop investing in the index**, **fixed expected annualized expected return products, and then double after the index valuation falls**.

Say a real example of regular investment :

When Mr. Xiao Wei invests in the first regular investment, the **net value is in the yuan, the second regular investment is **net worth** to the yuan, and the third regular investment is even **to the yuan! Question: What is the investment cost of Mr. Xiao Wei's potato peel reform?

Many people will think that the investment cost of yuan, yuan, yuan is yuan!

In fact, Mr. Xiao Wei's first regular investment share is a share (fee is ignored), the second regular investment gets 1000 shares, the third regular investment gets 2000 shares, a total of 667 + 1000 + 2000 = 3667 shares, and Mr. Xiao Wei invests a total of 3 1000 yuan, that is, 3000 yuan.

Therefore, the regular investment has reduced the investment cost of Mr. Xiao Wei to: 3000 yuan 3667 shares = if the net value rises back to yuan, Mr. Xiao Wei can get 3667 yuan, with a rate of return of 22%.

The reduction of investment costs means that the probability of loss and the magnitude of loss are reduced, which can be seen that regular investment can effectively average the investment cost and reduce the investment risk of investors.

Regular investment enjoys the dividends brought by time, and it is very important to exchange time for income, and which ** to choose to do regular investment. So, what are the suitable for long-term regular investment**? How can you choose a ** suitable for long-term regular investment?

Zheng Yuanqi First, the plate with good prospects.

Choose a sector with good prospects or a high-quality active **, we often say that we want to invest in a long-term position, how to define this long-term concept, and how long is it long-term? Generally speaking, our regular investment should be insisted on for at least one year, or even three to five years, in order to be regarded as a long-term regular investment.

Therefore, at the beginning, we must make it clear that the future prosperity of this industry is very high, it can make money, and even the future is very hot, but if you don't know what kind of industry has such characteristics, then you choose the active mixed type, give the choice to the manager, and let the manager choose the industry, and choose, it must be more reliable than your own choice.

Second, it should take a long time.

**The establishment time is relatively long, at least more than three years, many of the establishment of one or two years** performance is very rapid, the short-term yield is relatively high, but it may just be lucky, in case** is not good, ** manager can control the drawdown in time, that is also a problem, everything is unknown, so the choice of a long period of establishment, experienced the bull and bear market** is more secure.

Third, yields are moving upwards overall.

Look at the past yield curve, choose the overall yield curve upward, on the major software, we can see the past year, the past three years, and the income since its establishment, in addition to looking at the total return, but also to see if the income of each year is stable.

Fourth, the volatility is moderate**.

**The fluctuation range can not be too large, for a simple example, if a **, a day up and down six or seven points, can you still hold two or three years? Therefore, the long-term trend is stable, and the first choice is the first choice.

Regular investment** usually chooses index type and **type** for regular investment, of which index type is the most ideal, investors can choose medical and military industry to operate, and the growth is better. Here's why:

1。Since it is a long-term investment, cost is an important factor, and the exponential cost is relatively low, accumulating over time, and the seemingly small difference in cost can bring considerable benefits to investors because it is continuously converted into investment;

2。From the perspective of historical performance, the mandatory requirements and low management fees of the index type are important reasons for its excellent net value performance, so in today's volatile market environment, the regular investment index type can fill the risk of market fluctuations and is relatively "stable".

3。Of course, the choice of index ** also depends on the content of its composition, preference for the Shanghai market can choose to invest in the SSE 50, preference for the SZSE market investors can choose SZSE 100 Index**, preference for small and medium-cap investors can also choose CSI 500 Index**, if the feeling is still not enough, you can choose the CSI 300 as the underlying index**.

In the current domestic market environment with large fluctuations, it is a good choice to choose a volatile index type ** as a long-term investment object. Finally, it is worth emphasizing that long-term investment is easier said than done, and regular investment must form a habit and persist for a long time in order to achieve results.

**Regular investment is the abbreviation of regular and fixed investment**, which refers to investing a fixed amount (such as 1,000 yuan) into a designated open** at a fixed time (such as the 15th of each month), similar to the bank's lump sum deposit and withdrawal method.