Can anyone explain in detail how the regular investment of the fund works and the returns?

Very good, I just bought a fixed investment**, in the Bank of China to buy E Fund Strategy No. 2, has been deducted for half a year, 300 per month, and now nearly 2,000 yuan has been deducted, but I calculated the income, has made a profit of 25, and now**is so turbulent, if your income can, it is very wise to buy** regular investment, it is so stipulated, agree on a deduction date every month, and the specific number of deductions, different** deduction number is different, the minimum deduction is 100, and there is a minimum of 200, or 500 deductions, you just need to decide on which day of each month to deduct how much money you choose from the regular investment**. As long as you do not suspend the Auto-Invest business, it will be deducted on a monthly basis until you cancel the business or the balance of your bank card is insufficient to maintain the deduction for three consecutive months.

And you have deducted part of the direct subscription of your fixed investment, the handling fee is, the same as the one-time investment, the share is the monthly deduction amount minus the handling fee, and the net value on the day of deduction shall prevail.

The benefits are as follows: in the bull market, you can directly enjoy the benefits, and when you are in the bull market, you will enjoy more shares after deduction because of the net worth, which is relatively low in cost, which is equivalent to making up the position.

If you have enough patience, cash can be put for 10 years or eight years, such an investment is the most suitable, and because you have invested part, you can redeem or convert at any time, while not affecting the follow-up business, it is much more flexible than the bank's zero deposit and withdrawal, even if you wait for the money to be used, you are not afraid of not being able to take it out, the benefits are great.

After 10 years and eight years, when you want to use a lot of money, the ** you invest will come in handy. Do you believe it?

Don't invest regularly, regular investment means that you only buy and don't sell

Regular investment** is to buy the same copy with a fixed amount of money at a fixed time**. Before purchasing the regular investment**, it is necessary to make a long-term regular investment, and the buyer must have a stable income, so that the regular investment can be completed within the corresponding time.

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There should be no standard answer, and my personal opinion is: 1. Timing of intervention. Intervening at the relatively low level of **, it is obviously more likely to obtain relative returns.

2. Intervention varieties. Choose a good company, choose a good company. Because regular investment is a medium and long-term investment, it is very important to choose a company with performance and reputation, and then choose the type that suits your risk tolerance type under this type of company, and then choose the right type of company.

At present, the performance of different ** companies is quite differentiated, with the best positive income of more than 40% this year, and the worst negative return of more than 20%, a difference of 60%!! 3. Exit timing. After the regular investment, it is not left alone, the income of the ** should be summarized regularly, and if the long-term performance is in the middle and lower reaches, it should be considered to be replaced**.

If there is a significant change in the fundamentals or fundamentals, redemption should be considered. Do not invest across the bull and bear market, in principle, the bear market should be redeemed**, stop investing, and settle down.

**Regular investment is one of the strategies that is both simple to operate and can diversify risks. Regular investment can spread the market risk evenly. Among the four typical market types, unilateral investment, unilateral investment, and one-time investment, the return rate of fixed investment is slightly worse than that of one-time investment in the unilateral market, and the income of regular investment will be higher than that of one-time investment under various other types of market conditions.

Therefore, it is not important to choose the time point of regular investment, it can be any day.

Generally, you can choose a company with strong growth, a large company, and a manager with good performance for regular investment, and share the capital appreciation brought by rapid economic growth after long-term holding.

That is, it will be paid every month according to the amount of each investment agreed between you and the company. It will be automatically debited from the card you provided. Good returns depend on which **and** management company you invest in.

**How much do I have to invest in regular investment?

For office workers, it is generally more appropriate to take 10% or 20% of the monthly income for regular investment, if you are a novice in regular investment for the first time, you can reduce the investment ratio to the loss of this part of the funds, which will not affect your psychology and let yourself give up. At the same time, I usually don't invest much, and when I wait until the low level or the first time, I will have the funds to make up the position and reduce the cost.

**How long do you have to stick to regular investment?

If you want to make money, it is best to go through a complete bull and bear cycle, and a bull and bear cycle in the a** field is about 3 to 5 years. Take the present, 2600 points of fixed investment, it is certainly not expensive, it has been 3 years since the last bull market, and in another three or five years, the probability of encountering a bull market is very high. In the bear market, the market is fixed, with the **** continue to collect chips, pull down the cost, and wait until the bull market profits to exit, this is the essence of regular investment to make money.

**What to buy with regular investment?

**Regular investment itself is to smooth the risk and amortize the cost, so the risk is large and volatile**, it is suitable for regular investment, otherwise, what is the difference between regular investment in a bond** and a one-time **bond**?

Specific to the target, we can choose the active type with excellent historical performance, such as one-year, three-year, five-year performance; You can also choose indices**, such as CSI 300, CSI 500, CSI Dividend Index, etc.

**There is no time requirement for regular investment, and it is not complicated, and there is no pressure for novices to operate. But there are often many friends who say that the regular investment does not make money, and that is also because you have fallen into a few pits of the regular investment, today I will talk about the skills and common pitfalls of the regular investment.

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

It is best to choose** with relatively large fluctuations.

Regular investment is originally an effective tool for smoothing out the volatility of investment, but some people choose to invest in bonds, currency, this kind of volatility is small, if the fixed investment bond base or cargo base, it will not make any sense.

Therefore, buy volatile ** when you invest regularly. **There are many kinds, and I recommend choosing to use more volatile partial stocks** or index** regular investment.

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**Regular investment is similar to the lump sum deposit in bank savings. For many new investors, even if they have entered the market and obtained benefits, in fact, there are still many questions about the actual operation process of **. It is difficult for such newcomers to grasp the time to enter the market, and they do not know when to buy low and sell high.

If you buy a fixed investment, you can avoid the risks that novices will encounter within a certain range, so that novices can choose more stable and profitable investment projects according to their own situation after they are familiar with the investment market.

Buy a certain amount of ** every month, and withdraw it in batches when you achieve your desired benefits. There is a little understanding and grasp of the three points of choice, maintaining regular investment, and achieving the expected benefit percentage point and withdrawing in batches.

Long-term investment artifact **Regular investment (second quarter).

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**It can be a one-time deposit**, or it can be divided into batches** like a fixed deposit in a bank lump sum deposit. Moreover, many ** direct sales and consignment platforms have online intelligent regular investment functions. After the investor sets the time, amount and payment account of the regular investment, the system will automatically**.

So how to make a regular investment?

1. Regular investment amount

Regular investment, just like deposits, is a long-term financial management method, and the longer the regular investment time, the more prominent the advantages of regular investment.

Therefore, the funds of regular investment should choose idle funds that are not used for a long time, as for the amount of regular investment, it can be determined according to personal economic conditions, it is recommended to leave at least 3 to 6 months of liquidity, and then consider regular investment.

2. Regular investment time

In the long run, the impact of the investment cycle and time on the expected return of the regular investment is relatively small, and the weekly investment, monthly investment, or Thursday or Friday investment can be used.

Sanye Rock, fixed investment**

Theoretically, all ** can be fixed investment, including currencies**, bonds**, **, hybrid** and index**.

However, the main advantage of regular investment is to reduce the risk of buying at a high point at one time and avoid chasing up and down in the investment process. Therefore, the significance of currency** and bond** fixed investment is not large, these two types of ** fluctuations are very small, and the expected returns of one-time ** and split regular investment are very stable.

Among these three categories, the index is more popular among investors, because the index mainly tracks the copy index, which is relatively less affected by the manager's investment ability, and the transaction fee is relatively low.

Many people want to invest in financial management, but have not put into action, like regular investment is a relatively simple way to invest, the important thing is to start, as long as you start the general can adhere to it for a long time, but many people lack action, I don't know how to buy regular investment, put the regular investment ** this plan again and again to argue and procrastinate, start making money early, just tell everyone, only need three steps, you can start to buy regular investment**.

Step 1: Select Auto-Investment

The first thing that comes to mind is that you can go to ** for regular and fixed investment. As long as the investor selects the ** to invest, he can go to the **company** to inquire about the bank or **company that can handle the regular quota business, and then bring the ID card and other relevant documents to the designated sales agency to submit the application for regular fixed investment. Maybe the bank where your payroll card is located happens to open the regular quota business that you have selected**, you can choose this bank as a channel for regular and fixed investment.

There is a simpler way, which is to choose a third-party ****, on which you can choose different **companies** for regular investment, and Chun's pockets all the ** that you like, such as Tiantian**.com, which is a very good** sales platform.

Step 2: Decide how much you want to invest in**

After choosing the channel of regular investment, the next step is to decide how much to spend on regular investment every month. Generally speaking, the threshold for handling the AIP** business is very low, and the minimum subscription amount of each agency ranges from 100 to 500 yuan. If you can balance five or six hundred yuan a month, it is not a problem to use it for regular investment, which is much better than depositing in the bank.

Investment is a long-term investment, and it is more appropriate to use your spare money every month for regular fixed investments.

Step 3: The cost of regular investment** needs to be clarified

The fees for a fixed investment are the same as for a single investment, including subscription fee, management fee, custody fee and redemption fee. Most of the domestic non-monetary ** subscription rates are about that, and the redemption fees are around. If the monthly regular fixed deduction is 500 yuan for subscription**, if the net value of ** on the day of deduction in a month is yuan unit, and the subscription rate is, then the subscription fee is 500-500 (1 + yuan, after deducting the handling fee, the ** share purchased in the current month is (500 (1 + shares.

Just three steps, don't procrastinate, decide where to buy, how much to buy, figure out the cost, get the fixed investment**, and your investment and financial journey will begin.