Hello, I want to buy a fund and invest 300 a month, that s better.

According to the ranking of regular investment, the top 10 regular investment in 1 year are:

**Name: Regular investment yield.

Invest in Asia-Pacific Excellence.

HFT China.

Huaxia Strategy. Huaan Baoli matching.

SDIC UBS is stable.

CITIC Preferred. Fuguo Tianhuicheng.

ChinaAMC Global (Q...)

Southern Longyuan production.

Risk aversion increased in the south.

Wells Fargo Tianhui, SDIC UBS steady growth, Sino Analytica's flexible allocation, and Xinhua Preferred growth are all good. Personally, I think that Fuguo Tianhui is relatively stable, the manager has not changed, and only manages this one, unlike some managers who serve as three or four managers, people's energy is limited, and it is inevitable to take care of one or the other.

**Regular Investment: 1Insist on no less than 10% of your monthly income every month, and 20% will be used for regular investment.

2.It is recommended to invest in index** or **, not bonds** and currencies**. Harvest 300, Huaxia 300....

3.Select the old ** with stable performance for more than three years in famous brand companies. The old ten ** companies are: Huaxia, Bosera, Harvest, Nanfang, Cathay Pacific, GF, Fuguo, E Fund, and Dacheng.

4.It is best not to be lower than one market cycle, that is, not less than the complete process of a bull and bear market. It is better to go from bear market to bull market and not from bull market to bear market.

In fact, the best regular investment is to continue to invest for more than ten years, every month, without interruption, and it is best to invest for life.

5.Don't be too scattered, it's best to choose one to two good ** and keep casting, don't change around, and don't be too scattered.

6.Don't be afraid to terminate the regular investment in the bear market, but instead increase the regular investment, because you can have more chips.

The bull market can be less fixed, but it does not have to be terminated, and it is never necessary to invest more in the bull market, because the more you are on the high, the greater the chance of the future. It is recommended to use regular investment every other month in the bull market, that is, to remit money to the card every other month, so that it can be traded, and the money of the month that has not been invested is accumulated on the side, and when the low price of the bear market is low, you can eat more shares at one time or in batches, and the bear market fixed investment is still carried out.

7.Don't stop deducting for three consecutive months, the regular investment agreement will be automatically terminated, and it will have to be opened in the future.

8.Long-term regular investment is recommended to choose: dividend reinvestment + back-end fees.

9.Set the right mentality, don't waver, stick to the regular investment every month, and don't be affected by the outside gossip and terminate the regular investment. With just a few hundred dollars a month, you can build a good financial foundation for the future.

Nowadays, the major consignment platforms are vigorously promoting the regular investment, so there are many novices who have begun to try to invest 300 yuan per month. But after holding on for a few months, they found that instead of making money, they lost money, and now investors don't know what to do, whether to continue to invest regularly or cut the meat to stop losses? Let's help you answer it today.

1. Why do regular investments lose money?

First of all, let's help you popularize science, why in the actual operation process, ** regular investment is not as good as advertised?

For example, a third-party ** sales platform advertises that the expected rate of return in the past three years is more than 50%, but when you start the regular investment, you find that you have lost money, and the main reasons for this are as follows:

1.The past is not a proxy for the future

For example, if you start to invest in 2015, you can earn 30% of the expected return if you withdraw in 2018.

However, the expected return in the past does not represent the future, and even the difference will be very large, which is different from other regular financial products.

2.The time for regular investment is not long enough

**Friends who are regular investors often say the word "smile curve", that is to say, in the process of regular investment, one insists on **** and then retreats, which constitutes a perfect smile curve.

Therefore, if you don't stick to it long enough and are at this stage of **, then you will lose money all the time.

3.The market is not good

Like many people's regular investment mix**, ** or index**, are tracking the **market**, if the whole **ticket market** is not good, then the ** regular investment will also be lost.

For example, A-shares** have fallen for 9 consecutive days, basically all ** are continuing to lose money, and regular investment cannot change the trend of the market.

Second, what should I do if I lose money in fixed investment?

What should we do if we encounter a situation where we have been losing money in the process of regular investment?

1.Hold firmly

First of all, investors must not have the mentality of chasing up and down, and sell it quickly when they find a loss, which is not suitable for regular investment.

As mentioned above, the smile curve, the more it falls, the more you should hold it firmly, and wait until the day when the curve rises before making a profit throw.

2.Add to your position

If the net value of ** falls after a period of time when you start regular investment, you can choose to increase your position at this time to reduce the holding cost of **.

Because if you don't increase your position, you need to pay back your investment, and if you reduce the cost to increase your position, then you only need to pay back your capital.

And, buy more shares when the price is low, and wait until the day of **** to maximize the expected returns.

3.Stop loss

Of course, there is a special case, that is, you are really not optimistic about this **, or after analyzing the market**, you feel that this ** is hopeless.

Nowadays, major ** companies are promoting ** how to make money with regular investment, the key is to worry about it, but some people also posted that they invest 300 yuan per month**, and now they have lost more than 1,000. So what is the truth about regular investment? What should I do if I lose money?

I'm here to help you today.

1. Why do regular investments lose money?

In fact, regular investment is to buy at the specified time, and its essence is still an investment activity of buying, and it is a variety with high risk in the investment market, and there will often be losses, so there will naturally be losses in regular investment.

So why are all the ** companies promoting** that the risk of fixed investment is low and you can make money lying down?

In fact, the most important thing is to hold it for a long time, starting in three years and starting in five years are the most basic requirements, from the market in the past three or five years or even ten years, if you held one five years ago, there is a high probability that it will be profitable now. Blinded key.

Therefore, it is normal for ** to lose money in regular investment, but at the same time, it is not without basis to make money lying down, but many people can't insist.

2. What should I do if I lose money in regular investment?

For example, a friend mentioned at the beginning of the article insisted on investing 300 yuan every month**, and now he has lost more than 1,000 yuan, what should I do in this situation?

On the contrary, the lower the net value, the same regular investment can get more shares, so many people will choose to increase their positions when there is a loss in regular investment, which can reduce the cost of your position.

Once the net value starts, your losing value will become profitable.

Summary:Therefore, if you encounter a loss of investment, don't panic, the investment itself will be risky, the key is to stick to your own investment strategy, reduce the cost of holding, and then quietly wait for the day when you raise your eyebrows.

Recommend a few** and choose from them.

070010 HARVEST THEME.

Under ****, we should choose those who are proactive and flexible. The performance of the Harvest theme (070010) in the past half of the year is 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 Enterprises has shown strong ability to select stocks and grasp the market in different market environments, especially the growth of China Commercial Prosperity, 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 have a large **.

2. The economic aspect of China's Rangsong has not changed, and investing in Harvest 300 can enjoy the profits of 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.

Regular investment is suitable for long-term investment, so it is best to choose one with back-end fees**. Regular investment** is suitable for choosing **type and index type**, because they fluctuate greatly and can effectively amortize costs. There are more ** back-end charges, such as:

Dacheng 300, Southern 500, Rongtong 100, Industrial Trend, Desheng Advantage, GF Jufeng and so on. Auto-Investment** can also be redeemed at any time.

**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.

I set to invest 500 Huaxia dividends... Actually, I don't know, but I heard that it's good, you can understand it.

It's a thing that comes in perseverance.

If you buy **, it depends on whether you want to protect the capital or want to have a higher return.

I bought a little bit before seeing the Bosera industry rotation in the IPO, although now **in**, but next year's Maverick's expectations remain unchanged, and the stock base is still relatively optimistic. In addition, industry rotation** is to choose different industries for investment according to the different economic cycles, and use the flexibility of investment objects to avoid high-risk investment projects and help investors avoid risks. This base has now stopped the IPO, and it is estimated that it will be open for regular investment in the near future, so you can pay attention to it.

In addition, if you want to be more conservative, you can pay attention to the convertible bonds of market expansion, and the performance of IB's convertible bonds has been very good. I am more optimistic about Bosera because their family is a Taurus ** company for many years, the company's overall strength is very bullish, and the product line is also very perfect, which is incomparable to ordinary small ** companies!

Buy Huaxia ** Selection, Wang Yawei is very good.