The Fund'S Decision To Invest In The Artifact Is Most Important.

"You will be a millionaire for 20 years when the fund is set for investment." do you have a heart to heart when you see such a slogan? "Buerniu5188" wants to say, "stories in fairy tales are all deceptive!"

When the word "fund fixed investment" was knocked down, she gave 9 million 660 thousand messages instantly.

The most eye-catching is the "fund to vote, millionaire production line".

Financial management (micro signal: buerniu5188) also clearly remember that earlier in a large bank publicity materials have seen such an introduction: a monthly investment of 1000 yuan, 17 years to achieve millionaire dream.

Do you see such slogans, your eyes are also jumping up and down? Are these slogans reliable? First, let me ask two simple questions: 1, what is the probability of repeating the history? 2. How high is the probability of accurately replying the time of fixed investment?

Financial management (micro signal: buerniu5188) want to say that analog data is not a reference, do not be deceived by its appearance.

Heaven will not give up for no reason at all, let alone hit you! It's really lucky that you can buy lottery tickets directly, and become millionaires early. You don't have to wait for nearly 20 years.

So what is the purpose of the fund's investment?

In fact, there are many things that can be done in fixed investment, such as:

Let's go for a walk.

Children's educational assistant

Retirement reserve

Overcoming inflation

All say that the fund is fixed investment is lazy investment artifact, fund

Do we need to choose the right time to enter?

It has to be said that the fund's fixed investment method is to solve the opportunity of buying, and gradually buy the fund's way by gradually buying the fund, so as to buy the cost of the fund and gain profits.

Let's look at a simple example.

Suppose that you set up a fixed investment fund at the 6000 highest point of the Shanghai Composite Index in 2007, and it is not the fund that has been popular in the past two years, but the Shanghai and Shenzhen Stock Exchange which represents the traditional blue chip stocks. 300.

First look at a set of simulation data, from November 2007 onwards, 1 days a month to invest 1000 yuan Jiashi Shanghai and Shenzhen 300 fund.

You know, in October 16, 2007, the Shanghai Composite Index hit a record high of 6124 points, then plummeted to 1664 at the end of 2008.

In 2008, the stock raising public fund was cut off countless times.

Perhaps many

Is the future of the Shanghai and Shenzhen A share market rising or falling, should it be in the stock market rising stage, or the shock stage, or the fall stage approach?

There are pros and cons in all kinds of markets: in the stage of market decline, the fund's fixed investment losses appear, and it also gives investors the opportunity to buy funds at lower cost or even at the bottom. When choosing to enter the market at the rising stage, you may not have to bear the pressure of fixed investment losses.

At present, the Shanghai Composite Index has repeatedly fought for 3000 points. Obviously, the market risk is far lower than that of the Shanghai composite index at 6000.

Monetary Fund is defined as the management tool of investors' daily cash flow.

In other words, you are saving money to buy things on Taobao. The balance is monetary fund. You can keep it at any time, take any money at any time, and earn some money in your spare time.

Pure bond funds are obviously the destination of capital haven, and the volatility is relatively small.

Obviously, these two types of funds are not the ideal targets of the fund's fixed investment.

The ideal bids should have the following characteristics:

(1) high volatility.

The higher the fund's net value, the better.

You can imagine, you voted.

The net value line is not fluctuating or fluctuating very small. The price of the fund you buy fluctuates within a few cents, so how can you reduce the purchase price of the fund through fixed investment?

(2) fund with high sensitivity.

High sensitivity means that in a period of time, the net growth or decline of the fund has a very sensitive reaction to the market.

(3) blue chip fund.

Looking at the above three conditions, I believe that many investors first come to mind in terms of index funds.

Statistics show that the number of target funds with full replication index has reached 405, and the total index of enhanced index funds totaled 50, totaling 455. Among them, there are 179 ETF and its connection funds, while some ETF funds that can be traded in the stock market, like stocks, can be directly eliminated and not included in the consideration of fixed investment.