Whether or not to insist on regular investment funds, it is a taboo for regular investment funds

Gold Investment: It can add up to a lot.

Bank's"**Regular Investment"Business is an internationally accepted financial management method similar to the bank's lump sum deposit, which is a financial management method to subscribe for a certain product at the same time interval and the same amount. The biggest advantage of regular investment is that the investment cost can be averaged, because the way of regular investment is that no matter how the market fluctuates, it will be fixed, and when the net value is high, the number of shares bought is smaller; When the net value of the first is lower, the share of buying is more, that is, it automatically forms an investment method of reducing the amount of money on the high and increasing the weight on the low.

In the long run, monthly diversification can amortize the cost and risk, bringing the investment cost close to the average of the cost invested by most investors. In this case, the long-term compounding effect of time will be highlighted, not only the safety of the funds is guaranteed, but also the small money that you usually don't care about can become after long-term accumulation"Big money"。

For example, if an investor only invests 300 yuan per month in the regular investment business, if the average future rate of return of the investment is 5%, after five years of investment, the total amount of funds that the investor can obtain will reach 20,427 yuan. Even if the cost reduction of deferred investment is not taken into account, the real return on investment will still be 13%.

In addition, the procedures for regular investment are very convenient. At present, Industrial and Commercial Bank of China, Bank of Communications, China Construction Bank and Minsheng Bank have all opened the first regular investment business, and the threshold for entry is low, for example, the minimum monthly investment of the regular investment business of the Industrial and Commercial Bank of China is 200 yuan.

If you want to switch, consider the Harvest 300

Although you can make some money and continue to operate, it is risky.

**If you don't insist on regular investment, you can't make money, and you have to do it for the long term Although I'm a beginner, I also know that you must stick to regular investment.

What we want to insist on is long-term participation in **investment, rather than holding a garbage **, changing, and replacing it with Huaxia**. It is a good choice to invest in Huaxia dividends at ICBC.

Regular investment is expensive to insist! It will take a long time for its advantages to be revealed, so don't rush.

It's not too early to help children make plans, and the education expenses are very strong! I'm a parent-child regular investment who participated in the investment.** It's pretty good, and there's a club, there will be extra books, lectures, what, it's very good, recommend it, haha If you're interested, you can go to them to see it online, 51fund, well

Usually, regular investment is prone to problems, and there are generally these reasons:

The first is that it can only be redeemed at one time. We don't know whether the market will go up or down tomorrow, so we can also adopt the strategy of redeeming in batches during the take-profit stage and sell a part of it first.

The second is that any ** can be fixed. It is necessary to remember that there are two characteristics that are suitable for regular investment, the first is that it is volatile, and the second is that it is a long-term trend, so the ** that does not meet these two conditions can be ignored.

The third is to choose the right time to invest. In fact, for regular investment, whether it starts at the bottom does not have a great impact on the income itself. For the whole smile cycle, all investment costs are amortized, so it's okay to start regular investment whenever you want.

Fourth, the longer the fixed investment, the more returns. In fact, the fluctuation of our A shares is cyclical, long-term ** and not more than profitable, and there will be a passivation effect after running a smile curve. Therefore, we insist on regular investment, but also learn to take profit.

The last one is the desire to make a quick profit. The logic of regular investment is actually long-term value investment, and the psychology of quick profit is not suitable for regular investment, and it may also lead to losses.

In short, regular investment is not a one-time thing, master the investment method, avoid misunderstandings, in order to finally reap the value of time.

**Regular investment is indeed a good way to manage money, but there are relatively few people who can stick to regular investment, the main reasons are flame resistant to the following points:

1.Lack of long-term planning and determination. Many investors lack long-term planning and firm investment determination, focusing only on immediate returns and short-term changes, while ignoring long-term stable investment strategies.

2.Expectations are too high. Due to market risk and unpredictability, high expectations when investing can lead to frustration, which can lead to problems such as mental collapse and cessation of regular investment.

3.The concept of holding positions is not firm enough. Regular investment requires extraordinary patience and confidence, and you can't change your investment direction because of short-term fluctuations, but you must formulate a reasonable investment plan according to your investment goals and stick to it.

4.Lack of knowledge and experience. Many investors do not have enough financial knowledge and experience, and just follow the trend or listen to rumors, and do not make rational choices and decisions, which brings greater risks to the given investment.

Despite these challenges and risks, there will be some who persevere and reap the rewards of not making mistakes. If you want to stick to regular investment, the key is long-term planning and firm determination, and at the same time, you need to continue to learn and practice.

**Regular investment is a long-term investment method, compared with short-term investment in the old fiber machine transaction, its investment risk is smaller, and the income is more stable. But why can't so many people persevere? There could be several reasons for this:

Lack of patience and perseverance: Regular investment requires long-term persistence, and some people lack patience and perseverance, and are easily disturbed by short-term fluctuations, making it difficult to persevere.

Lack of knowledge and skills: Many people lack knowledge and investment knowledge, lack of skills and methods, resulting in not knowing how to choose and investment strategies.

Insufficient risk tolerance: **Although the income of regular investment is relatively stable, there are still investment risks, and some people may not be able to bear the investment risk and it is difficult to stick to the investment.

Financial pressure: Some people may choose to give up regular investment due to personal financial pressure.

External environmental factors: such as market environment, national policies and other factors may also affect people's investment decisions, causing people to choose to give up regular investment.

Therefore, to adhere to the best regular investment, you need to have certain investment knowledge and skills, have enough patience and perseverance, have a certain risk tolerance, and at the same time need to look at external environmental factors rationally and make reasonable investment decisions.

It is difficult to adhere to the fixed investment of the base closed leakage, mainly due to emotional factors, the uncertainty and fear of the first inner wisdom, and the second is to be patient and willing to ambush for a long time.

**Regular investing is an ideal way to invest and help investors achieve their long-term financial goals. However, why are there so few people who can adhere to the ** regular investment? Here are a few possible reasons:

Lack of understanding and knowledge: Regular investment requires investors to have a certain understanding and awareness of investment and investment. If investors lack the necessary knowledge and understanding, they may feel uncertain and unconfident, making it difficult to stick to the chaos.

Lack of patience and perseverance: Regular investment is a long-term investment plan that requires investors to stick to it for years or decades. However, many investors often lack patience and perseverance and cannot stick to it for a long time, thus missing out on the benefits of regular investment.

Psychological frustration in investing: The investment market is full of volatility and risk, and market volatility may cause emotional fluctuations among investors. If investors do not have enough confidence and patience, once the market fluctuates, investors may feel lost and panicked, and thus choose to give up ** regular investment.

Lack of self-discipline and planning: **Regular investment requires investors to invest regularly on a monthly or quarterly basis, which requires investors to have a certain degree of self-discipline and planning. If an investor does not have a firm investment plan and planning, they may get lost in the investment process and not be able to stick to it.

Excessive expectations for return on investment: Many people have high expectations for a return on investment. Once the return on investment does not meet their expectations, they will lose patience and give up on regular investment.

In short, regular investment requires investors to have a certain amount of knowledge, patience, self-discipline and planning. If investors can do these things and maintain a good investment mentality, they will be able to adhere to the highest fixed investment for a long time and achieve steady financial growth.

How to adhere to the ** regular investment? This is achieved in these ways:

Make a clear investment plan: Before you start investing, you need to make a detailed investment plan, including investment objectives, investment strategies, asset allocation, risk control, etc. This will help you better grasp market trends and reduce the risk of blind investing.

Regular Investment: **The core concept of regular investment is "regular investment", that is, continuous investment within a fixed time and amount. This allows you to avoid selling at market highs** or lows, reducing trading costs and the impact of mood swings.

Develop good investment habits: To adhere to the ** Qinglu call for regular investment, you need to develop good investment habits, such as not chasing hot spots, not listening to rumors, not blindly following the trend, etc. In addition, you need to learn strategies such as diversification, long-term holding, and regular re-evaluation to improve your return on investment.

Find the right investment platform: It is very important to choose a reliable company or company for regular investment. You need to understand the company's credibility, service quality, fee level and other factors, and choose the right investment products according to your own needs.

Firm belief and patience: Regular investment is a long-term investment plan that requires firm faith and patience. When the market is volatile, don't blindly follow the market sentiment, stay calm and hold your portfolio firmly.