Investment tips for regular investment of funds, the choice of regular investment of funds

A common way to invest regularly is to invest a fixed amount of money on a regular basis, that is, to subscribe for a fixed share of the company in a fixed period of time every week or month. Regular investment can average the cost, diversify risks, and achieve automatic investment, so regular investment is also known as "lazy investment". This is a longer-term investment, and the short-term effect is not obvious, so make sure that you can come up with a spare amount of money in the long run.

Regular investment can be made at any time, because the monthly investment is different, so the cost can be amortized. Regular investment** is suitable for long-term investment, and it is best to choose ** with back-end fees, so that there is no handling fee per month**. The benefits of short-term regular investment are not obvious.

Now it's time to adjust, too.

**There are two charging methods: one is the front-end fee, which is the default one, that is, the handling fee must be paid proportionally every month, which increases the cost of regular investment. If you buy it at the bank counter, the handling fee is, buy it in the online bank, the handling fee is 68% off, and if you buy it on **company**, the minimum handling fee is 4% off.

There are also redemption fees that vary at the time of redemption. There is also a back-end fee, that is, there is no handling fee at the time of ** every month, but the holding time must reach the time specified by the ** company (ranging from 3 to 10 years) before redeeming, and there is no handling fee, which can save a lot of handling fees in the long run.

Therefore, it is best to choose a back-end fee for regular investment. Not all of them have a backend.

The second is to change the cash dividend to dividend reinvestment, so that if the company pays dividends, the cash will be automatically repaid, and there is no handling fee for this part.

The third is that if you don't have money to invest this month or the ** price is very high, **** is also very high, you can also stop investing for one to two months, which will not affect the regular investment in the future, but do not stop investing for three consecutive months, if it is suspended for three consecutive months, the regular investment will automatically stop.

Fourth, in the bull market, the price also rises more, at this time you can appropriately reduce investment, if you are in a bear market, you can increase investment appropriately to increase the share.

At present, you can make regular investments and stick to them for a long time.

**Regular investment doesn't matter**.

Conventional regular investment is generally for a certain **, set a date and set a fixed amount to invest (that is, buy a fixed amount regularly**), but in doing so, it is a test of personal ability to choose**.

In addition, the more reliable ** regular investment practice is for a "** combination" to carry out the regular investment operation, because the ** combination is to buy several ** at the same time"A basket"The regular investment plan will be more stable and less risky than buying a single **.

For more information, please refer to the following examples:

As of 2020-8-14, the position income of the portfolio is:,**, and the income of CSI 300 in the same period is:,**,[Piggy Bank] As an enhanced income portfolio based on bonds, the yield is much higher than that of ordinary bonds under certain drawdown pressure, which better balances peace of mind and appreciation.

If the deduction is unsuccessful for three consecutive months, the regular investment will be automatically terminated.

The ** shares that have been successfully subscribed will remain in the account forever and will not be automatically redeemed.

The subscription and redemption rate is relatively high, so you must be prepared for long-term investment to make **investment, and if you subscribe and redeem frequently in the short term, it will have a greater impact on the income of **. Let you lose more than you gain.

In addition, let me tell you a little bit about my experience of investing.

**Investment actually needs a more flexible way, rigid regular fixed investment, if you are unlucky, not only will not make a profit, but even bring losses, so you must learn to manage. For example, when the market is still in an obvious trend and there is no sign of stabilization in the short term, the mid-term fixed investment will be interrupted; When the market is nearing the end of the market and gradually stabilizing, the investment amount can be increased. In this way, it not only avoids risks, but also brings more benefits.

But the premise is that you must have a certain understanding of the ** market in order to grasp the opportunity. (I share with you a little bit of my opinion).

No, the regular investment will be automatically terminated only if the deduction is unsuccessful for three consecutive months.

Unless you redeem the previous subscription, the system will not automatically redeem it.

If it is a ** fixed investment bought through investment-linked insurance, and you have paid the premium for 2 years, there is no problem in interrupting the payment, and if it is interrupted within 2 years, it will be automatically redeemed.

Rest assured, no one will want to automatically pay you back the money you spent. ^_

If you have time, you can go to Zhihong Information and other ** to learn how to manage money.

If you can seize the opportunity to redeem and stop regular investment at the right time, and then restart regular investment at the right time, the income will be better. Of course, it is okay to stick to it for 20-30 years.

2.**Performance will change, and it is difficult to maintain a high performance in 20-30 years. So it's not the best idea to stick to it for 20-30 years. Please consider comment 1.

3. According to the current situation and the comparison of performance, it is recommended to choose:

Huashang Shengshi: sixth place in 09 years, first place this year, and the performance has been very good.

Mixed** Harvest Growth: Stable performance and among the best in its class.

Bonds** Changsheng Active Allocation: Excellent performance. To prevent potential risks. It is necessary to allocate excellent bonds**.

4, 3 will do.

Recommend a few** and choose from them.

070010 HARVEST THEME.

Under ****, we should choose those who are proactive and flexible. In the past six months, the performance of Harvest Theme (070010) can be described as very dazzling, which is inseparable from the "personalized" operation of its ** manager Zou Wei, in addition to the research strength and management method of Harvest ** management company is also an important factor in its outstanding performance. So back to the choice we mentioned earlier, when the **up and down are swinging, the more flexible hybrid ** should theoretically perform more prominently than the **type**, but in practice, due to the excessive scale of the public offering ** and other restrictions, unless it encounters a relatively large systemic risk, the hybrid ** rarely lowers the **, so the hybrid **, which should be more flexible, does not show its advantages.

Therefore, whether it is the first type or the mixed type, we look at his historical operation style, and try to choose the most frequent varieties of position adjustment and stock exchange, of course, it is necessary to operate correctly, if the replacement of the ** will also increase the investment cost and will not be affected by the good effect.

At present, the Harvest theme is only open for subscription for 1 day per month, and it can also be regularly invested.

630002 The prosperity of Chinese businessmen.

In the past two years, China Commercial has shown strong stock selection ability and market grasp ability in different market environments, especially the growth of China Commercial Shengshi, which has just won the "2009 Open Golden Bull", and has demonstrated good resistance in the market in 2010. Wind data shows that as of June 3, the growth rate of China Commercial Shengshi has won the first type of income champion this year, and it is one of the most ideal regular investment varieties.

At present, China Commercial Shengshi has suspended large-amount subscriptions, and small subscriptions of less than 500,000 yuan are allowed.

1, according to the current point, it is no longer possible to appear substantially**2, China's economic situation has not changed, investment in Harvest 300, you can enjoy the rapid growth of blue-chip listed companies.

3. The current **, regular investment index** must be more than 3 years, so as to ensure the income.

The first long-term investment is not blindly held, 20-30 years is too long, during this period of time, it is necessary to constantly screen and screen, decisively redeem, and subscribe. If you can do that, you'll be able to do it with ease.

The specific combination depends on the combination of regular investment and those other financial management methods, because regular investment is originally an investment method that determines the investment risk. You can analyze the shortcomings of your other financial management methods, and then choose the ** that can make up for it or perform well in these aspects.

Selection**You don't need to choose 5 more**, 2-3 of which are used for regular investment, and the other are used for comparison, screening, conversion, redemption, and subscription at any time.

**Regular fixed investment has the characteristics of similar to long-term savings, which can accumulate a lot, spread the investment cost evenly, and reduce the overall risk. 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 regular fixed investment can smooth out the peaks and troughs of net worth and eliminate market volatility. As long as there is an overall growth in the selection, investors will get a relatively average return, and they no longer have to worry about the timing of entering the market.

**Originally, it was the best choice for long-term gains. If it is a regular investment method, it can also smooth out the loss of income caused by short-term fluctuations, since it is the pursuit of long-term returns, you can choose the variety with the highest target return, index**. The index originally selected the target, the blue chip stocks and high-quality stocks in the industry with model representative significance, and avoided the risk of ** because it has a certain number of models.

And the impact of economic cycles on individual industries is avoided. Since it is a long-term fixed investment, it takes time to digest the inevitable high-risk characteristics of high-yield varieties.

It is advisable to choose products from high-quality ** companies. For example, ChinaAMC, E Fund, Southern, etc., it is recommended to use the CSI 300 and small-cap indexes. You can open an account through the company, let the professional investment manager serve you, and some index varieties are free of handling fees through the company, which reduces your investment costs.

There is not much money, there is no need to disperse the regular investment, use time compound interest to make money for you, and concentrate on one or two **. **Regular investment should choose the back-end fee model, and the dividend method can be reinvested.

You have so much money and you want to invest it for so long.

It's really better to buy **.

If you buy 100 shares every month, it is definitely better than regular investment.

First of all, you have to determine your investment purpose, whether you want to make money or want to maintain your value, the current situation is to take a lot of risk if you want to make money, and you will generally choose **type or hybrid type**; If you want to preserve your value, you can choose to subscribe to the currency type**, the reason is that the central bank's interest rate hike is a great benefit to this type.

According to my experience, China's ** is not worth buying, let alone regular investment. The main reason is that Kimin is too passive. For example, regardless of whether the company manages it is profitable or not, it must charge a certain amount of management fees.

This is too unfair to the people, especially when the ** is not good, all the losses must be borne by the people. In addition, there is a lot of handling fee to pay for buying and selling**, and at this time, the people will become a vulnerable group again, because the bank now encourages the use of front-end charges to buy **, as long as you don't say it, they will directly deduct the handling fee when you buy**. You must know that the handling fee of buying and selling ** is much higher than that of buying and selling**.

The main reason is moral hazard. A large ** company in China once did a thing to help others pick up goods. At that time, a private placement pulled a certain ** very high, but because no one received the goods, they contacted the ** company and asked the ** company to buy their** at a high price, so as to make a profit, so the loss was still the money of the people.

To sum up, it is recommended that everyone stay away from China's **. If you want, you can buy currency and bond type **.