Problems That Must Be Known To The Investment Fund

Looking back in 2008, the most memorable key word for all investors is the word "stock crash" two words.

To sum up lessons learned from the bitter experience, in the field of capital market such as "hard and dangerous", individual investors want to win in the end, they must establish the investment concepts, investment methods and investment discipline that are truly recognized by themselves and tested through the market.

The fund is scheduled to vote. The full name is the regular fixed investment of the fund, that is, to select one or several funds, and to make a fixed investment date with the fund company or the fund selling agency on the appointed day of payment (for example, one day of each month).

Why should I vote?

There are five reasons for this: the first is that the stock market fluctuates so that it can participate in the fund investment in a regular way. Investors can automatically make payments on fixed dates when they do not have to choose. They can enjoy an average cost and enjoy professional financial services.

Second, fixed investment each month (usually a month) to buy fund shares with fixed funds, and gradually accumulate a lot of money, which is in line with the Chinese financial habits and the current income reality of the Chinese people; the threshold of the fund's fixed investment is low, and even some sales channels can get in at least 100 yuan a month.

Third, fixed investment is a planned investment that can help us cultivate good habits of investment discipline and long-term financial management.

By buying in batches, we can get a relatively low average cost in the long run, and on the other hand, maintain a common sense of short-term volatility.

Fourth, we must be disciplined.

First of all, the fixed investment must be persisted so that we can exert the power of compound interest, get the average cost and smooth the short-term fluctuation.

Secondly, market volatility is unavoidable. It is prudent to choose to terminate the investment in the downgrade stage, because the fall stage is a good opportunity to accumulate fund shares and give patience.

Fifth, in 2009, the international situation and the domestic economic environment are still full of uncertainties. In the expectation that the stock market will be widely fluctuated in 2009, the market will be sold in batches and market opportunities.

Of course, investors should understand the difference between regular fixed investment and zero savings.

Fixed investment is a simple and easy investment way to guide long-term investment and average investment cost, but it can not evade the inherent risks of fund investment. It can not guarantee investors to get profits, nor is it an equivalent way to manage savings.

When can I vote?

It is not a particular emphasis on the choice of investment timing. The reason why it is called "lazy investment" is that the fixed investment is not a special emphasis on buying time as a single investment. Even the unfavorable market stage of single investment is sometimes a good opportunity to start a fixed investment.

For example, when the market falls from the high point, for the single investment, the usual coping strategy is "Lara run". But for the fixed investment, as the market falls and the investment target will become more and more "cheap", the more we can buy the same amount, the greater the difference between the fixed investment and the single investment.

When should we insist on fixed investment?

It should not be terminated at the bottom of the market.

We know from some fund companies that investors usually terminate fixed investment and deduct money when the market falls, especially in 2008, which made many investors lose heart. This is a very regrettable thing.

There has been a big decline in the market. Many investors who set their investment at a high point now choose to redeem their withdrawal. When the market returns, the accumulated share of the fund will be wasted.

Q5: when can we terminate the fixed investment?

When the profits are picked up, but the deductions can continue to persist in the market, we should strive to achieve "no abandonment, no abandonment" in the market downturn. Does that mean that we should always remain "motionless" or "indifferent"?

There are several principles for redemption of fixed investment.

First, when the economy has gone through a business cycle and the stock market is weakening, it can choose to redeem the previous fixed share and continue to insist on the deduction.

The reason is very simple. When a market cycle is over and the index is declining again, our share will shrink.

Although we believe that the theory of "long-term upward market" is correct, if we can follow the prosperity of our business flexibly and make proper redemption operations, we will undoubtedly make the investment of fixed investment more efficient.

Secondly, when we invest in fund products or fund companies, it is also necessary to redeem them in time and choose good ones.

After all, the fund's fixed investment is often aimed at achieving long-term financial needs. Once the manager of the investment place has problems, it is likely to affect its future performance, which leads to the failure to achieve the investment target according to the plan.

Finally, please remember that it is a relatively flexible choice to decide which fund to invest. Investment is essentially a smart job.