Can I specify a monthly deduction date?

**Regular investment, the biggest role is to amortize the purchase cost, that is, when the market point is low, the same money can ** more share, when the market is high, the purchase cost is not only reduced but increased, but it does not turn the poor ** into excellent performance** magic power, due to the regular quota, need to have a stable cash flow support. Therefore, the fixed investment amount is best considered according to the asset allocation portfolio or the amount of your funds, combined with the **purchase threshold. In this way, when your risk tolerance, amount of funds, market environment, ** daily purchase limit changes, or even when the payday changes, you may need to modify your regular investment plan.

Both your investment frequency and investment amount can be modified. The frequency of regular investment can be selected every working day, weekly (Monday to Friday), bi-weekly (Monday to Friday), and monthly (1 30th). The difference is that after the termination, no more deduction will be made, and the original regular investment plan cannot be resumed, and the suspension is no longer deducted, but when the market changes or there is money, you can choose to resume the function, at this time, the original regular investment plan will be deducted regularly, and you need to pay attention to the next deduction date and prepare sufficient funds.

**The monthly deduction time of regular investment is not set casually, half of it is exquisite, or suitable for yourself or follow the experience of predecessors. Let me tell you how to set the deduction date for regular investment. Some people choose a day after their paycheck, some people choose a commemorative day, and some people think it doesn't matter and just choose a day.

In fact, this problem is also very particular, a month is not a short time, the stock index may go up and down in this range, if you can choose a relatively low position for deduction, it will undoubtedly increase the income of regular investment. Therefore, it is important to have a deduction time that suits you. First of all, theoretically, the deduction date has almost no impact on the long-term regular investment, and you can choose a time that is convenient for you.

In addition, for the average office worker, it is better to set it a few days after the salary is paid. If it is a moonlight family, then it is recommended that the first month of the month is better. After all, regular investment is a way for many people to force themselves to manage their finances or do not want to spend too much energy to choose the time to judge the highs and lows.

A way to evenly distribute market risk.

However, there is a point of view that it is best not to deduct the money at the beginning of the month, because the beginning of the month is generally **, which happens to be the highest to buy; But I've checked it myself, and it's not always the case. Therefore, it is recommended to stagger the deduction time of several **, for example, one ** in the early part, one in the middle of the month, and one in the second half of the month, so that it is more balanced and the risk is smaller. **Regular investment is actually a normal ** subscription on the set date.

Or follow the normal subscription process, submit the application at 3 p.m., and then deduct the money accordingly, and ensure that the money can be deducted successfully before 3 p.m.

**Regular Investment** price is related to the actual deduction time. **The deduction time of regular investment is before 15:00 on the same day, according to the **net value of the day; On the day 15:

After 00, the ** net value of the second trading day will be pressed. Regular investment is the abbreviation of regular and fixed investment, which refers to investing a fixed amount at a fixed time into a designated open-ended investment, similar to the bank's lump sum deposit and withdrawal method. All purchases are calculated according to the **net value on the day of purchase**, and if the monthly fixed investment**, if this day of the month is a weekend or holiday, it will be deducted on the first working day after the deduction, which is calculated according to the **net value on the day of deduction.

It has nothing to do with the deduction time you agreed, and the actual deduction time shall prevail, I hope it can help you.

Strictly speaking, there is no such saying, the reason why many people will set the nail head between the 1st and 26th, so I have to take into account the situation of leap years, such a choice will be more convenient.

When we talk about regular investment, we find that many people have a wide range of misunderstandings about regular investment, and some people even think that regular investment is a steady profit and no loss, which fully shows that many people do not understand regular investment. So about the question you asked, I will explain in detail from the following points.

**Regular investment does not require the selection from the 1st to the 26th.

We must know that regular investment is a very trouble-free way to manage money, for novice investors who have no fixed time to pay attention to investors, many people will choose to invest regularly to allocate their assets. The advantage of this is also very simple, because regular investment can spread out a person's investment costs, so that a person can get relatively stable and lower ** chips. **There are many ways to invest regularly, and there is no specific time limit.

Some people may choose to invest weekly, and some people will choose to invest monthly.

As I mentioned above, the policy is not strictly restrictive, so everyone can make a choice based on their own habits and specific circumstances. If you have been investing for a long time, and it is about 3 to 5 years, you can allocate your assets by agreeing on investment. If you have only been investing in the market for about a year, weekly regular investment may be more suitable for you

Regular investment will involve the concept of T+1.

We know that after the subscription ** on the same day, the share will not be recognized and the income will be generated until the second day, which leads to the concept of T+1. Because weekends and holidays cannot participate in investment and selling, many people will choose to participate in regular investment before the 28th of each month28-2 gives you the number 26。It is precisely for this reason that many partners who set up monthly regular investment may control the regular investment date before the 26th.

Because each ** has some fixed dates to deduct money, and at the same time, it is to ensure the operation of ** and the development of the enterprise.

This is because there are strict rules on the time and the date of deduction, so in order to make it easier to calculate, it is set from the 1st to the 26th of each month.

The timing of this deduction can be set by the investor himself, and there is generally a strict time limit, so that it is easier to manage and there will be no particularly serious infringement.

**The deduction date of the automatic investment can be selected at a time, and the deduction date of each month can be specified, and you can choose any day on the 1st and 28th of each month.

Of course, there is a time choice, and the deduction date of this regular investment is set by yourself, and you can set it according to your current situation.

Nope. This is a fixed time, and you can't make some choices, so it's better for regulation.

**Auto-Invest is automatically debited. When investors make regular investment, they generally need to bind an account to deduct money, and then the system will deduct a certain amount of funds from the designated account at a fixed time according to the fixed investment cycle and the amount set by the investor to invest in the designated ** product.

However, it should be noted that if the account balance of the designated deduction is insufficient, the system will fail to deduct the funds, and the regular investment will not be possible. Therefore, after you have made a regular investment, you must pay attention to whether the funds in the account are sufficient, so that you can charge the money in time to ensure that the regular investment plan can go smoothly.

You can choose to set the time to the 2nd day of your own payroll.

**There is no fixed requirement for the deduction date of regular investment, if you stretch the timeline, you will find that there is no difference in when to invest in a month, the only thing you need to do is to stick to regular investment, and do not withdraw your funds halfway. Regular investment is a great test of a person's patience, and you can also achieve the effect of forced savings through regular investment.

The relevance is as follows. 1. I suggest that you choose to invest on the second day of payroll**.

For many young people, some young people can't save money at all, because as long as they have money in their hands, they can't help but spend it. If you want to force savings, you can forcibly deduct your salary on the 2nd day of paycheck, and directly deduct your salary to the ** account. You can set aside a portion of your salary and use the rest for your daily expenses.

2. You can also choose to invest in the middle of the month.

I have seen a statistic before, if the time is extended to less than three years, the return on investment in the middle of the month will be higher, and the return on investment in the beginning of the month will be the lowest. Of course, this is only a relative concept, because the three-year regular investment period is already very long, and the difference in the regular investment date is only at the level of a few tenths of a percent. It is for this reason that you can choose to invest at any time, and you only need to set it before the 28th.

3. You have to invest before the 28th.

Because the number of days in each month varies, in order to further simplify your investment strategy and introduce your operation time, I personally recommend that you invest before the 28th. There is no strict requirement for the time of regular investment, but you need to strictly implement your investment strategy and be sure not to give up halfway. I recommend that you invest for at least one year, preferably three to five years, so that you can enjoy the return on investment that regular investment will bring you for a long time, and you can also take this opportunity to fully experience the power of compound interest investment.

The deduction date can be set 2 days after the salary is paid.

Generally speaking, just open Monday and Tuesday investors have entered the market, the likelihood is greater, and the closer to the closing, investors tend to throw out the market for cash, so Thursday and Friday are more probable, the same is true for monthly investment, the overall market sentiment at the beginning of the month is more optimistic, and many festivals such as New Year's Day, Labor Day, and National Day are concentrated at the beginning of the month, and the market is more likely to be after the holiday, so it is not a good time to invest; Approaching the end of the month, it is possible to encounter the market ** caused by tight liquidity at the end of the month and the end of the quarter, so the regular investment at the end of the month can also take advantage of the high probability of **long** low-price shares.

**Precautions for regular investment.

1. We should try to choose excellent and well-capitalized company products, and the number of purchases should not be too much, and we should try to diversify risks.

2. It is necessary to reasonably plan family expenditures, and the investment funds should be within the range of family affordability to avoid the impact of family living expenses.

3. If you want to make a profit, you must be prepared for long-term investment, and ensure that you have enough cash to invest a fixed amount at a fixed time. In short, there are risks associated with regular investment, don't invest blindly, do what you can.

The above content refers to Encyclopedia-**Regular Investment.