What is the minimum amount of regular investment in a fund????

**The minimum monthly subscription amount for Auto-Invest business is RMB200, and the investment amount is tiered at RMB100. At present, ICBC has launched two ** automatic investment varieties with an investment period of 3 years and 5 years (the corresponding **regular investment varieties** are 361 and 601 respectively), and the transfer period is one month.

For the specific operation strategy of the regular investment business, please see the post in the blog "**Regular regular investment full strategy".

I happened to buy a fixed investment**, bought in the Bank of China E Fund Strategy No. 2, has been deducted for half a year, 300 deductions 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 stipulated that a deduction date is agreed every month, and the specific number of deductions, the number of deductions is different, the minimum deduction is 100, and there are also minimum 200, or 500 deductionsAll you have to do is decide on which day of the month you want to deduct how much money you want to deduct from your chosen 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?

First of all, you need to figure out your financial situation and understand how much money you can use to invest and manage your finances.

1. List all your expenses, and divide them into two categories: "required expenses" and "optional expenses";

2. Use "income" minus "expenditure" to calculate "free cash flow", if it is negative, "free cash flow" can be adjusted to positive from two aspects: open source and cost reduction;

3. According to your own situation, calculate how much "emergency fund" you need, generally speaking, "emergency fund" is equal to 6 months of "must spend";

4. After saving enough "emergency funds" with "free cash flow", the remaining money can be used for investment and financial management.

First, regular investment must be easy and unburdened, so that the monthly investment will not affect your quality of life. In fact, in addition to diversifying risks, a very important reason for many people to make regular investment is that they can't take out so much money to make a one-time subscription, and there is only a small amount of money left every month, so this kind of person can do regular investment. Don't set your goals too high, we don't set your goals for the sake of regular investment, and if you set your goals high, it's easy to stick to them for a long time.

Generally, newcomers to the workplace who have not been working for a long time can invest about 500 per month. In a word, before making a regular investment plan, first analyze your monthly income and expenditure, calculate the idle funds that can be left in a fixed balance, and then use this part of the funds to handle regular investment.

Second, the specific amount of regular investment is related to the financial goals and investment period you determine, Shanghai Investment Morgan ** has specially calculated an account, with 6 years of reserve of 200,000 yuan to study abroad** as an example, if the data between January 2002 and December 2007 of the Shanghai Stock Exchange Index as a reference range, you need to invest 857 yuan per month to complete this financial plan, of course, the time period selected by the investment Morgan ** is the period when the a** field turns from bear to bull, and the yield of regular investment is relatively high. If you arrange your regular investment plan according to this rate of return now, there may be some differences, but here, I can provide you with a formula that can be used as a reference for you when starting regular investment:

It is to subtract the investor's age from 100 and multiply it by 100%, that is, (100-investor's age) 100%, and the result is the appropriate proportion of investment varieties with certain risks such as ** in all the investor's liquidity.

If you are a young investor with a relatively stable income, a certain understanding of the investment market, and a certain risk tolerance, you can invest 75% of your monthly liquidity in **or buy partial stocks**, etc., and use the other 25% of your liquidity for regular investment.

If you are in your 40s, have an understanding of the state of the capital market, and also have a certain risk tolerance, you can use 40% to 60% of your liquidity for regular investment, purchase, or stock-biased, and the other part of your liquidity for low-risk investment, while paying attention to maintaining the liquidity of funds.

All in all, the author believes that making regular investment is the same as saving money, if you have a stable job and a relatively high income, you can invest more first, and then invest less when you are nervous, and then increase your position when you have money. What do you think about this, let's talk about how much money you are prepared to invest every month if you choose to invest regularly?

It depends on your funding arrangement, which is different for everyone.

Now**fixed investment threshold of 100 yuan, has become a common way of investment and financial management, although **regular investment is known as a lazy financial artifact, but there are still many investors for various reasons and losses, which may be because you are not suitable for **regular investment.

Young Moonlight Family: Since the ** regular investment has the two major functions of investment and savings, you can leave daily living expenses after paying your salary, and part of the remaining funds will be used for regular investment, so as to "force" yourself to save and cultivate good financial management habits. People with medium or low risk attitudes:

This group of people is reluctant to take a lot of risks, so the investment is most suitable for them. **Regular investment can not only achieve long-term investment, but also the way of installment investment can achieve the average investment cost to the greatest extent.

Rich: But the state is disturbed and there is no time to take care of it. For example, there are some self-employed or people with a very fast pace of life, they don't have too much time to pay attention to changes in the ** or other investment markets, industry news, etc., they need more energy to pay attention to career or study.

These groups of people are also suitable for the investment method of **Li Yu Dingtou.

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 is an important investment method of investment, and is favored by a considerable number of investors by virtue of its own advantages such as risk diversification and low threshold, so how do we need to set up funds when we invest regularly, and how much is the appropriate amount of regular investment? Let's talk about these with you today.

What is the appropriate investment amount?

1. According to the monthly income of investors.

**The biggest basis for regular investment is the investor's income, which is planned according to their own financial income, and the upper limit is the amount that can be afforded**The index used for regular investment can be used.

1) Timing and quota method.

The amount of the investor's regular investment in each period remains unchanged, ensuring that the set account has always had money, and the set amount can be automatically deducted every cycle. Generally speaking, about 30% of the salary income can be invested every month, of course, investors can set their own.

2) Adjust the investment amount according to the index.

If the investment index itself is used as a change tracking indicator, if the index is **, reduce the investment amount and realize that the higher the rise, the less you buy, so as to avoid the risk of reducing the high level; Or the index increases, increasing the amount of investment. In this way, the more you can do, the higher the expected return.

2. Set according to the investment of stock funds.

For some friends who already have a sum of money as an investment, they can generally divide the stock funds to be invested into multiple parts, and then turn them into regular investment with monthly income after investment.

During this period, uninvested funds can be used for safer currencies**, etc., to achieve liquidity and increase profit opportunities.

First of all, investors need to understand a truth, that is, to invest in Sun Luochen's financial management funds should be idle money. After investors invest these funds in the capital market, they will not affect their normal life too much. Therefore, the amount of regular investment should not be too high.

**Regular investment needs to be done within your means. Judging from the current relevant regulations of the company on regular investment, even only 100 yuan per month can be used for regular investment, and investors can arrange regular investment plans more reasonably according to their own income and expenditure.

Secondly, regular investment also needs to consider the dry market. For example, in the case of ignoring the subscription and redemption fee, take 10,000 yuan per month, when the ** is good, if the **net value of the fixed investment rises to 2 yuan, the 10,000 yuan may only be able to buy 5,000 copies, but if the market **, when the net value falls to the yuan, 10,000 yuan can buy 20,000 copies. On average, a total of 20,000 yuan was spent in two months to buy 25,000 copies, and an average of 10,000 yuan was bought 12,500 copies, which also evenly spread the investment cost.

If you don't know how much to invest, you can invest according to the 4321 rule. 40% is used for necessary living expenses such as food, clothing, housing and transportation; 30% savings: used for shopping, making friends and other activities to improve the quality of life; 20% of the investment is made in regular investment; 10% for insurance; On the basis of this rule, adjust it according to your actual situation.

**The regular investment ratio is generally based on no more than 30% of the monthly income, but you also need to consider the disposal of your own income, such as mortgage, insurance, etc. At this time, after deducting the necessary expenses, 30% of the remaining money can be used for regular investment, and users can choose to invest weekly or monthly when investing, and users can get good returns through long-term investment.

Users should choose the right one for themselves when making regular investment. When choosing a **, users can consider its establishment time, dividends over the years, **manager, **custodian, etc., which are clearly understood before deciding whether to **, usually choose **net value fluctuation.

In the **regular investment, you generally choose to intervene in the position of the low net value, but the **regular investment does not guarantee profits, and there may be losses in the future. Then there is the ** fixed investment, you must use your spare money, and you can't borrow money to invest, so as to avoid affecting your normal life after losses.

It should be noted that you need to insist on a long time when making a regular investment, do not sell it after losing money for a short period of time, usually you need to insist on it for about 3 years to make a profit, and there may not be a profit in the short term, so you should be prepared to hold it for a long time.

**The proportion of regular investment money in your income must depend on your financial needs, that is, you must first set a financial goal for yourself. With financial goals, we can judge the appropriate financial products and determine the amount of money that needs to be invested.

It is recommended that the funds invested in a single financial goal should not exceed 30% of the monthly income, after all, in life, you can't just be a child slave or a house slave.

**What percentage of income should I invest in regular investment?

In fact, before solving this problem, we can first think about another question: why do we use regular investment to make ** investment, is it not good to buy at one time?

For example, some indexes can only rise and fall at 1900 points, so in the case of sufficient funds, we must invest as much as we have at one time, why bother to invest in fixed investments?

There are two main reasons why we are advised to take the form of regular investment to make ** investment:

1. Diversify investment risks by means of regular investment. Because the market is often unstable, it is difficult for ordinary investors to grasp the correct investment time, and the use of regular investment, no matter how the market fluctuates, a fixed day of fixed investment every month, automatically deducted by the bank, which can play a role in equalizing investment costs and reducing the overall risk.

2. Many investors do not have enough financial strength to invest at one time, and the low threshold is also one of the main reasons for its popularity.

Therefore, if it exceeds 30%, it is recommended to re-plan the plan, adjust the time to achieve the financial goal, choose a riskier financial product or product portfolio, and reduce your financial goals.

In the process of making ** investment, we need to pay attention to two points:

First, regardless of whether we can achieve the goal or whether we can achieve the goal in advance, we should make multiple preparations, such as preparing a reserve fund;

Second, regular investment may not be a suitable investment method for everyone, we should adopt an irregular and irregular investment strategy, so that the returns and risks are controlled within a reasonable range.