What are the misunderstandings of regular investment in funds?

**Although there are many benefits to investors, investors with a little knowledge will know that the main thing is that not all of them are suitable for regular investment, and there are a few misunderstandings like this, which are popularized for your reference.

One: "regular investment" is indeed suitable for all **. Although "regular investment" basically plays the role of average cost and smoothing risk from the basic politeness, it does not mean that all ** are suitable for "regular investment".

Investors who know some basic financial knowledge will know that the income of currency and bond type is usually stable, and the gap between the effect of "regular investment" and one-time investment is not too large, and the **type** fluctuates greatly, so regular investment is particularly suitable.

2. "Regular investment" requires a more long-term investment. This strategy is still relatively common for the present, but in the case of a continuous "bear market", whether it is a one-time investment or a "regular investment" it takes time to do the cost, generally speaking, the best time for "regular investment" should be in the middle and late stages of the market adjustment, because it is not clear that the length of the later adjustment time but the downside is more limited, so gradually accumulate chips in the relative bottom area to quickly smooth the cost, and good returns will start from the time when the market appears larger.

3. "Regular Investment" can only be deducted once a month. From the current "regular investment" trading system of various banks, it can be satisfied with the deduction work on the trading day, from the perspective of regular investment is more scientific, it is not the best once a month, the best case, 5 this per month, so that it can average the cost and smooth the risk.

4. If the amount of "AIP" is insufficient, it cannot be deducted normally, and AIP will become invalid. In fact, most of the best companies and banks have stipulated that when the balance of the fund account is insufficient on the deduction date, it does not matter if the deduction is deducted in the month, as long as the money is deposited into the account as soon as possible.

Five: after the redemption of "regular investment", in fact, even if all the redemptions, the investment contract signed before is still legally effective, as long as you say that there are enough funds in your account or meet other deduction conditions, the bank still deducts regularly. If the customer wants to cancel the regular investment plan, in addition to being able to redeem **, they also need to follow the procedure, and they need to go to the sales outlet to fill in the "Application for Termination of Regular Quota Subscription", and then go through the procedures for regular investment, of course, they can also choose not to meet the deduction requirements for three months, so that they can automatically terminate the ** regular investment business.

**Regular investment is the abbreviation of regular and fixed investment**, which refers to investing in the same open-ended ** at a fixed time (such as the 18th of each month) with a fixed amount (such as 200 yuan), similar to the bank's lump sum deposit and withdrawal method. **Regular investment is known as lazy financial management, and its value is due to a saying circulating on Wall Street: "It is more difficult to accurately step on the market than to catch a flying knife in the air."

However, if the batch method is adopted, it overcomes the defect of only choosing a time point to buy and sell, and can spread the cost evenly, so that it can be in a more advantageous position in the investment, that is, the fixed investment method. Generally speaking, there are two types of investments: single investment and regular fixed investment (i.e., regular investment). Due to the low starting point and simple way of regular investment, it is also known as "small investment plan" or "lazy financial management".

Compared with regular investment, the return on a one-time single investment may be high, but the risk is also great. Due to the avoidance of the influence of investors' subjective judgment on the timing of entering the market, the risk of regular investment is significantly reduced compared with **investment or **single investment. **Regular fixed investment has similar characteristics of long-term savings (but not savings, so there may be losses), which can add up to a lot, spread the cost of investment, and reduce the overall risk.

It has the function of automatically adding to the dip and reducing the size of the high, no matter how the market changes, it can always get a relatively low average cost, so the regular fixed investment can smooth out the peaks and troughs of the net worth, and eliminate the volatility of the market to a large extent.

Generally speaking, the index type is the first choice, because it is less disturbed by human factors, just tracking the index, in the case of a market downturn, the general return of the index type is not as good as the active type, and in the case of China's long-term growth, the long-term investment is more likely to make a profit, and it is one of the preferred varieties for long-term investment. The active type is more affected by the manager, and the active type in China is more volatile, and external factors such as the replacement of the manager will also have a certain impact, and the risk is greater if it is held for a long time. Foreign experience shows that in the long run, the performance of the index is stronger than that of most active products, and it is one of the preferred varieties for long-term investment.

According to U.S. market statistics, since 1978, the average performance of the index ** has exceeded more than 70% of the active type**. In addition, the **type** fixed investment with good growth is more popular. Young people who have just worked, young parents who want to prepare education funds for their babies, statistics show that in 2012, 596 can be fixed investment in the partial stock type, 584 have achieved profitability, if investors insist on regular investment throughout 2012, the probability of profit is as high as 98%, and the average income of these partial stocks has also reached, much higher than the income of time deposits and bank wealth management products.

**There are three techniques for regular investment, skill 1: timing fixed investment method, skill 2: set an effective take-profit line, skill 3: buy enhanced index**.

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