What are the pros and cons of fund intelligent regular investment, and which is better, fund intelli

The advantages of intelligent investment are:

1. Historically, the return is higher than that of ordinary regular investment;

2. A variety of strategies, increasing investor selectivity.

The disadvantages of smart investment are:

1. There are not many that support intelligent regular investment, and there are few optional valuation strategies;

2. The deduction method changes greatly;

3. High requirements for funds.

The official website shall prevail.

Let's take a look at the following online excerpt: The homogenization of intelligent regular investment launched by banks in the market is relatively serious, and there is a lack of personalized products for customer needs. However, the reporter's investigation found that the "intelligent regular investment" launched by China Merchants Bank is a new generation of regular investment designed and developed according to different customer needs and investment goals on the basis of the general "regular investment".

The traditional "regular investment" means that investors continue to invest in the designated open investment at a fixed time and a fixed amount, while the "intelligent regular investment" of China Merchants Bank, as an upgrade of the general "regular investment", has five distinctive characteristics:

First, nearly 400 ** sold by China Merchants Bank can achieve "regular investment", ranking first among all banks, and the function can be opened when selected, avoiding the embarrassing situation that the company cannot participate because the first company has not opened the function;

Second, the deduction date and deduction cycle can be arbitrarily selected, and customers can set any day of the month as the deduction date, and decide the deduction cycle more freely, such as every 1 month, every 2 weeks, and every 5 days;

Thirdly, customers can set the investment period according to their own financial goals, and choose from three termination conditions: investment date, deduction period, and cumulative deduction amount.

Fourth, you can modify, add, suspend and cancel ** "regular investment", all according to the needs of customers;

Fifth, customers can go to the branches of China Merchants Bank, or they can easily handle it through China Merchants Bank's online banking, ** bank and self-service banking.

Covering a wide range, flexible deduction date, controllable investment period, flexible business handling, and self-selection of transaction channels - these five functions make China Merchants Bank's "intelligent regular investment" set off a new wave of automatic investment as soon as it came out.

There is no such thing as a fall, but there is no such thing, and the use of the investment method of regular investment to diversify risks and amortize costs has been proven by countless examples as a wise path. m

In fact, the so-called witty fixed investment is just a kind of marketing means of the bank, and it is also a kind of almost flickering, buying**or regular investment** is best to choose a good **company and a good **variety, and there is a good time to choose this is the key to profitability.

There is no better between the two, it just depends on the intentions of the investors. Ordinary regular investment is simply in accordance with the regular investment plan, regardless of the rise and fall and income status of the deduction; The intelligent regular investment can be adjusted according to the needs of investors, such as the range of profit and loss, and the profit and loss can be adjusted to a certain extent.

Intelligent AIP is only a tool to assist ordinary AIP, and in the ever-changing market, neither of them can guarantee investors' absolute returns or no losses, and investors need to use and treat them reasonably.

Extended Materials: 1. What is **?

**, in a broad sense, refers to a certain amount of money that is set up for a certain purpose. It mainly includes trust investment, provident fund, insurance, retirement, and various wills.

From an accounting perspective, ** is a narrow concept that refers to funds with a specific purpose and use. We refer to **investment** mainly.

Classification.

Second, according to different standards, **investment** can be divided into different types of potato stimulation:

1) According to whether the **unit can be increased or redeemed, it can be divided into open-ended**.

and closed**. Open-ended non-listed trading (it depends on the situation), through banks, brokers, and companies to subscribe and redeem, the scale is not fixed; Closed-end has a fixed duration and is generally listed and traded on the trading venue, and investors pass through the secondary market.

Buy and sell** units.

2) According to the different organizational forms, it can be divided into company type ** and contract type **.

**Through the issuance of **shares** to establish an investment company** company in the form of selling socks, usually known as the company type**; It is established by the manager, the custodian and the investor through a contract, which is usually called a contractual type. China's **investment** are all contractual**.

3) According to the different investment risks and returns, it can be divided into growth, income and balance**.

4) According to the different investment objects, it can be divided into ****.

Bonds**, money markets**, ****, etc.

**Ordinary regular investment refers to the investment of a fixed amount at a fixed time into a designated open**, similar to the bank's lump sum deposit and withdrawal method, which has the following differences from intelligent regular investment:

The amount of each time for ordinary AIP investors is fixed, while the amount of AIP will be adjusted according to the changes in the index. For example, in the case of a high index valuation, they will buy less, and in the case of a low index valuation, they will buy more, which is relatively flexible.

At the same time, the intelligent regular investment is based on the valuation of the ** index to allocate its ** amount, more reasonable allocation of investors' holding costs, reduce their investment risks, and obtain greater investment returns, whether it is ordinary regular investment or intelligent regular investment, it is a long-term investment, compared with a one-time **, can be average investment, diversify risks.

**Regular investment is casual and easy to operate, which is very friendly to novices. But there are still many friends who say that **regular investment does not make money, that is, you fell into a few pits of **regular investment, today I will talk about the skills and common pitfalls of **regular investment.

At the beginning, I will introduce a financial management course that is very useful for income growth, and after learning it in 7 days, you will feel the leap and bounds of financial management ability: limited-time benefits! Click to join the financial bootcamp and triple your income.

3. Are bonds** and currencies** suitable for regular investment?

It is best to choose**fluctuate more than that**.

Regular investment is originally an investment tool to smooth fluctuations, but some people choose to invest in bonds, currencies, and this kind of volatility is small, if the fixed investment bond base or cargo base, it will not make any sense.

Especially in the unilateral bond bull market, if you want to have a high income, then invest in it all at once.

Therefore, when making regular investment, you should choose a volatile **. **There are many types, partial stocks** or index** fixed fluctuations, I recommend you to choose.

Investment needs a guide, and a mature set of ** courses can allow you to avoid detours: click to learn about "** training camp", and start the road to wealth in 7 days.

Click on the link in the article to learn about the financial training camp, so that you can get twice the result with half the effort on the road to financial management!

This course explains the advantages and misunderstandings of regular investment.

**Regular investment is a long-term investment method, short-term is ineffective, and the loss may be very large.

The fixed investment was not good.

No one can stay ahead of the curve for long.

Of course, it depends on whether he is profitable or not. What makes money is good.

It's good to make money, it's bad to lose money o( o haha

Summary. "Smart regular investment is relatively good. The advantage of the intelligent investment is that after the intelligent investment instruction is set, the system will choose to deduct more or less funds on the deduction date according to the rise and fall of the market.

Judging from the statistics, the overall return of intelligent automatic investment is higher than that of traditional regular investment. Since the intelligent regular investment is to deduct more money when it is ****, you can get more shares; When the **** is deducted, the cost will not be raised, so the overall income is higher than that of ordinary regular investment. ”

"Smart regular investment is relatively good. The advantage of the intelligent investment is that after the intelligent investment instruction is set, the system will choose to deduct more or less funds on the deduction date according to the rise and fall of the market. Judging from the statistics, the overall return of intelligent automatic investment is higher than that of traditional regular investment.

Since the intelligent regular investment is to deduct more of the old model when it is ****, so that you can get more shares of the number of games; When it is ****, less deduction will not increase the cost, so the overall income Qi Sheng is higher than that of ordinary regular investment. ”

The good aspects of intelligent regular investment: historically, the return is higher than that of ordinary regular investment; A variety of strategies, increasing investor selectivity. 2. Bad aspects of intelligent regular investment:

There are not many that support intelligent regular investment, and there are fewer optional valuation strategies Nashan; The deduction method changes greatly; The requirements for funds are high. There is a broad sense and a narrow sense, in a broad sense, it refers to a certain amount of funds set up for a certain purpose, such as trust investment, provident fund, retirement, etc., and in a narrow sense, it refers to funds with a specific purpose and purpose. The income of **investment** comes from the future hole, and the income performance is inseparable from the performance of the underlying market of the investment target, which has certain risks.

According to different criteria, **investment** can be divided into different types: (1) according to whether **units can be increased or redeemed, it can be divided into open-ended ** and closed**. Open-ended non-listed trading (it depends on the situation), through banks, securities and companies, the scale is not fixed; Closed-end has a fixed duration and is generally listed and traded on the trading venue, and investors buy and sell units through the secondary market.

4. Choose one that you think is good**, enter the page, and make the next selection.

5. After entering, select Auto-Invest at the bottom of the page dialog box to enter Auto-Invest.

6. Finally, enter the amount you want to invest, the payment method, and the investment cycle, and then confirm, you can successfully invest one**.

Take Huatai ** Fortune Pass as an example, **Regular investment operation steps: first find the ** that needs to be regularly invested**, enter the ** details page, if the ** supports regular investment, the "regular investment" setting button will appear on the details page, click the button to enter the settings of the regular investment plan.