Does it cost money to buy a regular investment foundation? Can regular investment funds really make

At present, the securities investment for the majority of ordinary investors is investable financial management. It is divided into closed and open. The risk and return are **, hybrid, bond, and currency in descending order.

Investors can choose different types according to their risk tolerance**. In the current era of low interest rates, money is deposited in banks, and the growth rate of interest rates has not been able to catch up with the price index. You are a conservative investor, and you can choose currencies** in the short term, such as ChinaAMC cash currency**, no handling fees, current in/out, and regular interest rates.

It is equivalent to a one-year bank fixed deposit, but it can be redeemed at any time, and it will not be like a bank fixed deposit, which becomes a current interest rate when withdrawn early. Medium-term investment, you can choose China's return**, the trend is stable, no big ups and downs. The benefits are moderate and the risks are small.

Long-term investment can choose Huaxia small and medium-sized board, Yinhua wealth**. Regular investment** is a better way to invest and manage money for office workers, long-term regular investment, it can effectively reduce investment risks, and the return is higher. **It is a longer-term investment, and the short-term effect is not obvious.

The normal return is generally around 5-30% per year. Regular investment can enjoy the magical effect of compound interest rates. In 2006, I bought **, which has increased several times.

I bought it in 2008 and now I have bought a lot. Therefore, the timing of buying ** and better ** are also the key to profitability.

As long as you want to get excess returns, you have to take risks, that is, the risk of loss, and regular investment** is no exception, and it is also possible to lose money.

There will also be ** or loss situations. If it is a market that has been unilateral, such as in 08, you will be more and more in a situation. This is a systemic risk, generally at this time is not recommended to invest regularly, if the regular investment, you can withdraw first, and wait for the market systemic risk to be lifted before recovery.

As for this year's **, you can choose to invest regularly, and it is unlikely that you will lose money. Especially if you choose a good performance ** to invest in.

Yes, there are risks associated with investments.

**There is no time requirement for regular investment, and it is not complicated, and there is no pressure for novices to operate. There will also be many friends who say, **fixed investment did not make money, that is, you fell into **regular investment into a few big pits, today I will talk about **regular investment skills and common pits.

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

It is better to choose a large number of fluctuations.

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.

Therefore, it is necessary to buy the most volatile varieties of fixed investment. There are many types, and I recommend that I recommend that partial stocks** or index** regular investment fluctuate greatly.

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Regular investment is just a way of investment and financial management, and the target of investment is ** products.

Products are divided into**type**, hybrid**, exponential**, currency**, QD and so on.

First of all, you must know that all wealth management products, whether they are ** or bank deposits, cannot guarantee a steady profit or loss.

Secondly, investing through regular investment is to stand in a long-term time dimension, use regular investment to flatten costs and reduce risks, and cannot guarantee steady profits and losses.

Third, under normal circumstances, we believe that the currency ** can "make a profit without losing", because the income of the currency ** is relatively stable, and there are very few losses (there are several currencies** in history that have also suffered single-day losses), so whether it is a single ** or a regular investment currency**, the 99% probability is "steady profit and no loss", but it does not guarantee that it will be a steady profit and no loss.

**Fixed investment is not stupid investment, but also to choose the right one**, in order to achieve long-term steady profit without loss.

Wrong. It is a reduction in risk and a reduction in returns.

The risk is always there.

**Most of the regular investment is aimed at Xiaobai, and Xiaobai is easy to be taken into the ditch because he doesn't understand anything, but there are trustworthy people around you, you can look at one**, regular investment is OK, the so-called** is all pits, everyone had better not buy people who don't understand are pitted, you can see the introduction provided by this site.

Of course, it's a big fool, isn't it stupid to invest regularly when the valuation is particularly high, and when the valuation is high, you should only sell and not buy, and clear the position.

Regular investment has its applicable stage, when the valuation is relatively low, start regular investment, because the valuation may be lower, regular investment can be a good diversification of risks, and at the same time force yourself to ** low chips.

The core point of regular investment should be that the low point of the market is a range, and it should be no worse if it is constantly in this range.

It's not all pits, but for Xiaobai, if you don't understand, it's easy to misbelieve the so-called people to lead, tell them which ones to invest, and when they are at a high point, they are actually very lossy, and they are generally bought when they fall and sold when they are sold.

There are many types, some have low returns, and some have high returns.

The low income is a few percent or more than a dozen, and the high income is more than a few percent, more than 100, and more than 200.

**Similar to**, not that** is all profitable, and there is also the possibility of losing money. The same sentence applies to **, that is**(**) is risky, and investment needs to be cautious.

This question is like asking if buying ** is reliable. There is no such thing as unreliable, **, ** are legal and open investment products, for those products that appear formal but are actually illegal fundraising, ** is indeed reliable.

But if you expect it to be like a bond and pay off the debt at maturity, it may not be reliable. Because its returns fluctuate according to market conditions, there is no guarantee that it will definitely be profitable.

However, the biggest benefit of regular investment is to smooth the cost, such as the first day, when it is 1 yuan, it is a key share, and the second day it is **, you step-grandson Qiao continued to buy, and then on the third day, it rose a little, although it was not yet 1 yuan, but you may still make a little profit.

Therefore, if you want to get stable returns, you must hold it appropriately for a long time, and of course, the performance ability of the manager is also very important.

Yes. Although regular investment has similar characteristics of long-term savings, this does not mean that it has no risks, and there are still certain risks in regular investment.

And you need to note that regular investment is a long-term investment process, so it may go through a long market process. But even if the market is **, there is a loss in the regular investment, there is no need to rush to redeem the funds. On the contrary, you can take advantage of this time to accumulate shares, as long as you wait for the market to pick up, turn losses into profits, and then take profits at the right time, you can also get high returns.

Regular investment is like a "smile curve", so without the accumulation of shares in the early stage, there will be no rapid investment income in the later stage.

Process. It can be said that the longer the investment period, the less likely it is to lose money.

Extended Information]**Regular Investment.

It is the abbreviation of regular fixed investment**, which refers to investing a fixed amount of money at a fixed time to a specified open-ended**.

Middle. The concept can be understood in two separate subjects. **Refers to the object of its investment, and regular investment refers to the way of investment (e.g. investing 1,000 yuan per month).

**Regular fixed investment has similar characteristics of long-term savings, which can accumulate a small amount, which can share risks to a greater extent and obtain stable profits. It has the function of automatically increasing the weight on dips and reducing the size on highs, no matter how the market changes, you can always get a relatively low average cost, so you can regularly determine the amount of investment in the banquet to smooth out the net value.

peaks and troughs, eliminating the volatility of the market.

**Automatic Investment Plan (AIP) is known as lazy financial management, and its value is due to Wall Street.

There is a popular saying: "It is more difficult to accurately step on the market than to catch a flying knife in the air." "If you adopt the batch method, you will overcome the defects of only choosing a point in time to buy and sell, and you can balance the cost of Biyin, so that you are invincible in investment, that is, the fixed investment method.

Generally speaking, there are two types of investment, namely single and fixed investment. Due to **"Fixed-rated casting.

The starting point is low and the method is simple, so it is also called "small investment plan" or "lazy financial management".

**Why does regular investment make sure you don't lose money? In fact, this is not necessarily, it still depends on the individual investor!

**Make money, the people lose money, this is an indisputable fact!

Although the average return is high. However, in the entire ** market, the proportion of people who really make money is less than 20%, and the vast majority of investors are ......losing money

Take the historical big bull base "Harvest Growth" as an example: "Harvest Growth" from 2003 to the end of 2015, after many rounds of bulls and bears, the total annualized compound rate of return, a proper big bull base.

Looking back at the historical data, hindsight will sigh: as long as the ** choice is good, fools can make a lot of money!

But that's not the case.

There are 530,000 people who have purchased Harvest Growth**. Only 326 people can make a profit of 12 times. For the rest, 10,000 people made less than double the profit, and 10,000 investors were actually ...... who lost money

Ten times the bull base is like this, and the tragic state of other weak growth can be imagined.

In 2019, the performance of public offerings was generally good, and 95% of the public offerings with ** as the main investment direction were positive.

** Industry Association investigated the profit and loss data of basic investment in the past 20 years and found: "In the past 20 years, the average real rate of return of investors by holding ** tends to be close to 0, or even loses. ”

The reality is shocking.

**Why do most people still lose money when they are so profitable?

1. The root cause is that 80% of people don't know how to vote.

The reason for the loss of investment ** is very simple, in the final analysis, it is that you don't know how to invest blindly.

2. Can't stand high fluctuations.

In addition to not knowing how to buy and step on the pit, the index is highly volatile, and it is easy to break through the psychological defense line of investors.

Sometimes, even if we understand the true meaning of making money, because the process is too painful, we may still make mistakes because of the imbalance of mentality.

3. Can't stand the long cycle of China's ** has a characteristic: the bull is short and the bear is long.

This feature means that the ** held in everyone's hands may lose money for a long time......

Many friends miss the opportunity to make money because they can't bear to lose money for a long time.

I don't know the law of this cycle, more than 80% of investors have been washed out halfway, and less than 20% of them can survive the big bull market and make money.

The above is the fundamental reason why most investors lose money when buying indexes.

How exactly do you buy an index** to make money?

In fact, there is only a window paper between the profit and loss of the index, it depends on whether you are willing to pierce it.

1. Why can index** make money?

1) Truth: The index is long-term, with an annualized return of nearly 10%.

In the past few decades, China's economy has been growing by leaps and bounds. The driving force behind China's economic growth is actually the continuous growth of the industry, and the profits of the leading listed companies behind the industry are constantly growing.

In 2019, the growth rate of China's economy (GDP) will be 4-8% in various industries, and the growth rate of profits of leading listed companies in the industry can reach 10%.

No, it won't, regular investment** will not lose the principal.

Just like when you buy a cake, a 10-yuan cake is a cake with a 1,000-yuan cake, but the size is different.

If you buy **, the profit is that the cake has become bigger, and the loss is that the cake has become smaller, but the cake has always been, even if the loss is serious, you still have a bit of scum.

Bought the ** fell out of the way

1. If you have been holding the ** for a period of time and have exceeded your income expectations, such as a 15% yield, to catch up with today**, you can choose to sell in time. Because the market will not be able to take profit in the future, it is also very good to take profit in time to avoid the risk of shrinkage of income caused by continuous **.

2. If you just have a small amount of money, you can catch up with the big fall, and you can take a wait-and-see attitude. If the overall rise is not particularly high, you can also continue to have a small amount of chips at the low point.

3. When **has been substantially ** and the holder has generally made a profit, this is a strong signal to sell. Although there are still many investors at this time, you need to stay calm. Even if you lose a few points on the day, you make money overall, and it is a good choice to choose to sell.

4. If the decline exceeds the loss point you expect to set, such as a loss of 10%, you can choose to sell and stop loss, wait for a new opportunity, and then reduce the risk of losing more. If you don't sell, the loss has reached a higher level, for example, if it falls by 30%, you can choose to increase the position of 1 3, if it falls by 10%, you can increase the position of 1 3, spread your ** cost, and wait for the future ****.