Is the right variety of funds to choose for my AIP?

There's no need to choose between two exponential types**.

How to choose**Regular InvestmentVariety? What are the skills of regular investment in choosing** varieties? Combined with the characteristics of ** regular investment, the following suggestions are given:

1. Choose a long-term expected annualized return with good returns

**Regular investment in long-term investment can see the expected annualized expected return. **Regular investment is suitable for long-term investment, generally at least three years. In this way, the cost can be amortized and the expected annualized expected return can be better.

Regular investment is suitable for choosing **type and index**, because they fluctuate greatly and can effectively amortize costs, and those with low risk are not suitable for regular investment. If you choose a small risk, then no matter whether it is good or not, it will not rise or fall a lot, and the monthly ** is about the same, so it will not be able to spread the cost, so it is not suitable to choose the less risky ** to invest regularly.

It is recommended to be active with excellent and stable long-term performance**, not to do index**. You can look at the annualized expected return rankings of regular investment expectations in the past 1 year, 2 years, 3 years and longer, and there is basically no index in the top 20%. In a developing country like China, there are many volatile and immature investors, which is not suitable for the index investment recommended by Warren Buffett.

2. Choose the one with outstanding performance

It is to choose the one with outstanding performance and good performance stability. Like Da Mo Resources, Harvest Services, and Xingquan Convertible Bonds, they are all long-term performance excellence. The essence of buying ** itself is to hand over the money to a professional ** manager to take care of, of course, to find a high level of financial management.

In order to prevent high-level managers from jumping jobs and causing performance fluctuations or a certain manager from performing poorly for a period of time, we choose 3-5 diversification investments, which reduces the risk of investment. This dispersion is what makes real sense.

**Regular investment refers to a fixed amount of investment in a fixed amount of money to the designated open**, through regular investment, you can continue to increase the share of investors' positions, spread the cost of holding, and diversify risks, then, can the market be invested regularly?

Investors should choose more volatile**, for example, **type**, or some index **, and it is best to make regular investment in the **process**.

At the same time, the funds raised by bonds are mainly invested in the bond market, while the funds raised by the currency are all invested in the currency market, which is less risky and more stable, and is suitable for stable investors at one time, however, its volatility is small, and it is difficult to produce a smile curve, so it is not suitable for investors to carry out regular investment operations.

At the same time, when investors choose to invest regularly in the ** type ** or index **, they should consider the historical performance, investment direction, and other factors of the ** manager.

Many people know that regular investment is a good operation strategy. However, there are more than 6,000 ** products on the market, and it is a needle in a haystack to choose the right one. So, how to choose the ** of regular investment? Let's talk about it today.

How to choose the ** of regular investment?

1. Choose the right type

**According to whether it can be redeemed at any time, it can be divided into open-ended**and closed**, closed** and regular open** can not be subscribed or redeemed at any time, and we have to invest regularly, so this kind of **priority is excluded.

In addition, although the ETF has low transaction costs, it must be traded through an account. Too close to the market, we are easy to lose control and carry out frequent operations, which not only increases transaction costs, but also makes mistakes, so ETFs** can also be excluded.

Bonds** and currencies** have very little volatility and are not suitable for regular investment. Bonds** can be invested when market interest rates are falling, and currencies** can be invested in a lump sum at any time, and these two types of ** do not need to be considered.

The more suitable regular investment** can choose the active **type**, the hybrid type**, and the passive index** (LOF**, ETF connection**, etc.).

Second, choose the right one

If the establishment time is too short, it can be excluded, and if the establishment time is less than 6 months, it can still be opened; If it has been established for less than three or five years, it has not experienced a bull and bear cycle, and the performance ability cannot be seen at all;

**The scale is too small** can also be excluded, for 60 consecutive days** the scale is less than 50 million, it is a mini**, the mini** is at risk of liquidation, which will disrupt the regular investment plan, for the sake of conservatism, you can choose**scale of more than 300 million yuan**;

Don't consider that the proportion of institutions is too high, the market is a game market, and institutions have greater advantages in all aspects than those who choose institutions.

If the volatility is too low**, it is also not suitable for regular investment, excluding ** with a volatility of less than 5%. In the end, each ** is not fully held**, which **** less than half of the ** can also be excluded, and it is not flexible and cannot give full play to the advantages of regular investment.

In general, the appropriate target for regular investment is an index or active stock-biased type that has been established for at least three to five years, has a scale of more than 300 million, is higher than 50%, and has a low proportion of institutions. About**How to choose**Regular Investment** is introduced here, I hope it will be helpful to everyone.