What principles should be adhered to in regular investment of funds? What are the criteria for regul

1.Be patient. **The premise of regular investment to get good returns is "long-term investment", so regular investment is a perseverance work, not a short-term investment that can be effective, if you want to have a good return, you must stick to it.

2.Don't get off the bus because you're losing money. Research shows that the probability of loss is close to zero if you hold ** for more than ten years, and for a period of five or six years, there is still the possibility of loss.

The more years you hold it, the less risk it is. But the tassel is that when the market is temporary, the net value often shrinks, which makes many investors panic, and at this time they get off the car and do not invest, or even redeem the dust. In fact, as long as investors insist on regular investment, they will have the opportunity to buy more shares at a low level, and if they stick to it for a long time, the average cost will naturally be reduced, so as to be fearless of market ups and downs, and finally get good returns.

3.Accumulate investment experience in the process of regular investment. Regular investment should set goals for yourself, but you should also do what you can, while investing, while learning, constantly improve your judgment of the market in the investment process, increase input costs at a low level, and reduce investment at a high level.

**Although regular investment is only to take out a small part of your funds to invest, but don't look down on that money, knowing that only time can ferment wealth, but many investors do not have this patience, often just squandering time to waste time.

Set goals

You can deduct 3,000 yuan or 5,000 yuan regularly every month, and the number of shares bought when the net value is high is small, and the number of shares bought when the net value is low is large, so that the entry time can be dispersed. This "dollar-cost averaging" is best suited for things like retirement** or children's education**.

Do what you can

There have been customers who decided to deduct 50,000 yuan per month in order to diversify the investment target, but after a period of time, they must take out the fixed deposit to continue to invest, which is too cost-effective. It is recommended that it is best to analyze the monthly income and expenditure situation first, and calculate the idle funds that can be saved by fixation, 3,000 yuan or 5,000 yuan.

Select a market

A market that is over-falling but has good fundamentals is the best place to start investing in a fixed amount on a regular basis, even if the market is at a low level, as long as you are optimistic about the long-term development of the future, you can consider starting to invest.

Investment horizon

As long as the principle of long-term deduction can be observed, the choice of large volatility can actually improve the expected annualized return, and the long-term rate of return of the higher risk should outweigh the lower risk. If the longer-term financial goal is more than 5 years to 10 years or 20 years, you may wish to choose a more volatile **, and if it is a goal within 5 years, it is advisable to choose a more stable performance**.

Be persistent

Long-term investment is the most important principle of accumulating wealth with a fixed amount on a regular basis, and it is best to last for more than 3 years to get good results, and long-term investment can play a more complex interest effect on regular and fixed amounts.

Timing of termination

The term of regular investment is also determined by market conditions, for example, after 2 years of investment, the market has risen to a very high point, and after analysis, ** may enter another short cycle, then it is best to terminate the contract first and take profits. If you are faced with financial needs, such as the approaching retirement age, it is even more important to start paying attention to market conditions and decide to change the time of termination.

After starting a regular fixed investment, if you have to cancel the redemption temporarily or the market is at a high point, and you are not very sure about the market outlook, you do not have to completely terminate the contract, and you can redeem part of the shares to obtain funds. If the market trend changes, you can switch to another round of uptrend market and continue to invest a fixed amount on a regular basis.

Trust

Don't worry too much about the short-term ups and downs and the accumulation of shares, and consult when necessary.

**The benefits of regular investment are:

The savings function is similar to the bank's lump sum deposit. Generally, it is a weekly or monthly recurrence.

Financial management functions, like we put money in Yue Bao, actually can't beat inflation. , the return will be relatively high (and the risk is also high), it is a financial artifact for ordinary office workers and moon-staring people.

Diversify risk. Due to the investment in the market, the volatility is relatively large, and it is easy to lose money.

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What are the rules of regular investment** investment? Fixed investments** are known as lazy investments, but investors need to put in a bit of effort in order to achieve high returns. What are the investment rules for fixed investments**?

There is also flexibility in regular investing. AIP stipulates the deduction amount for investors when investing, but there is no complete restriction on investors to concentrate their investments on the premise of choosing a good time. In particular, if there are idle funds, on the premise of ensuring the normal fixed investment deduction, you can make another investment, or the troublemaker can increase the investment amount in a certain month, quarter, etc.

Therefore, the mechanical use of fixed investment can not achieve good investment results.

Regular investment**Six investment rules.

First, regular investment products should be checked regularly. At present, there are many ** products, and the risk-return characteristics of different products are different. When investors choose to invest regularly, they must choose according to the market environment and the basic aspects of Xinyoushen**.

It's not that Huajing has a regular investment tool, but that he thinks that he has chosen a high-quality ** product. Investors need to always consider whether the investment style is outdated, whether the manager has changed, how the market environment is performing, etc.

Second, there is also flexibility in regular investment. AIP stipulates the deduction amount for investors when investing, but there is no complete restriction on investors to concentrate their investments on the premise of choosing a good time. In particular, if there are idle funds, on the premise of ensuring the normal regular investment deduction, you can make another investment, or increase the investment amount in a certain month, quarter, etc.

Therefore, the mechanical use of fixed investment can not achieve good investment results.

Third, regular investment is not the patent of office workers. As long as you can maintain a continuous and stable income, it is more appropriate for everyone to choose regular investment. If there are idle funds, when it is difficult to grasp the future, you can buy the remaining funds into the money market at the same time as regular investment, and redeem them before the deduction date to ensure that the deduction is carried out in a timely manner.

Therefore, as long as the conditions of a fixed time and a fixed amount are met, the ** regular investment plan can be carried out for a long time.

1. Investors are not allowed to terminate or change the AIP agreement on the set trading day;

2. The application order automatically initiated according to the regular investment plan cannot be withdrawn;

3. If an AIP plan fails to be successfully executed due to abnormal account of the investor, network problems or trading system problems, it will be deemed that the transaction has failed and there will be no postponement plan;

4. Investors are obliged to keep the balance of the deduction account sufficient throughout the day on the subscription date.

Regular investment does not necessarily make money, but as time grows, the probability of making money will increase. Because the feasibility of regular investment is the premise of real economic growth, these profits will be promoted, and during the period of volatility, investors can accumulate lower cost shares through regular investment, so that when the bull market comes, you can obtain very considerable returns. The share of the regular investment firm will be high and bottom, but as the reputation of the ** gets longer and longer, the cost will become lower and lower because of the average law.

**Regular investment is a kind of investment strategy, also known as lazy investment and smile investment, loved by the majority of white-collar financial experts, some people through regular investment, funds have risen a lot, harvest a lot, and some people have participated in regular investment for a long time, but the expected return is not high, Although everyone says that **regular investment is good, what are its precautions? What is the reason for the same ** regular investment, but the expected returns are very different.

1. Selection of investment varieties

Currency type and bond type ** have high security, small volatility and stable expected returns, in fact, they are not good choices for regular investment, and it is best to choose **type or index type with good performance and high expected return curve in the history of regular investment.

2. Investment period

An important difference between regular investment and other fixed expected income wealth management product investment is that the term of regular investment is relatively long, usually more than 3-5 years, and it must go through at least one round of economic cycle, so as to effectively amortize the holding cost and obtain compound interest expected returns.

3. Persistence

**The most difficult thing is to insist, although it can be set to a regular monthly fixed deduction, but there are always many investors in the process of doing **regular investment, at the beginning of the full interest, short-term did not see the investment effect, gradually confidence is gone, naturally give up, you must not know, **regular investment is**earn share,**earn net worth,from the long-term trend,**regular investment at the beginning of the appropriate loss is a good thing, the same amount, can buy more**share, can earn more in the future.

The above three points are the key matters that should be paid attention to in the actual operation process of regular investment, and the investment focuses on persistence, and persistence can obtain unexpected returns. Tips: There are risks in financial management, and investment needs to be cautious.