Fixed investment of the fund is an investment to realize asset appreciation by regularly increasing the fund share. Compared with short-term speculation and high-risk investment, the fixed investment of the fund is more suitable for ordinary investors, because it can spread risks and reduce investment risks, and at the same time has certain long-term investment value.
How to operate the fixed investment of the fund? Here, Xiao Bai will share his investment experience with you, hoping to help friends who want to make a fixed investment in the fund.
First, choose a fund.
We need to choose a fund that suits us. When choosing a fund, we need to pay attention to the following points:
1. Fund type: Choose different types of funds according to your risk tolerance. For example, investors with higher risk appetite can choose equity funds, and investors with lower risk tolerance can choose bond funds or money market funds.
2. Fund * *: Choose a well-known fund * * or a large Public Offering of Fund * * to ensure the stability and security of the fund.
3. Historical performance: Choose funds with good performance and stable historical performance. You can know the historical performance of the fund through fund rating agencies, funds and other channels.
4. Fees: Pay attention to the fund's management fees, custody fees and other expenses, and choose a fund with a lower rate.
2. Open a fund account
After choosing a good fund, we need to open a fund account. This process can be completed on the fund sales platform or the third-party fund sales platform. Generally, you need to provide ID cards, bank cards and other information, and then open a fund account through real-name authentication and electronic signature.
Third, make a fixed investment plan.
After opening a fund account, you can start to set up a fixed investment plan. Fixed investment plan is to hold a certain number of fund shares in a specified period. We can set different fixed investment plans according to our own needs and actual conditions. For example, the monthly fixed investment in 500 yuan is 1 1,000 yuan per quarter.
Four. Regular fund
After the fixed investment plan is established, you can start to make regular fixed funds. Generally speaking, online banking, mobile banking and other channels can be selected for fixed fund investment. The fixed investment time is generally a fixed date of each month, such as 1, 15, etc. In the * * fund, we need to pay attention to the following points:
1.** Fund, you need to ensure that there is enough money in your account.
2. Pay attention to the net value of the fund and choose the right time.
3. Pay attention to the redemption fee, handling fee and other expenses of the fund, so as to avoid that the handling fee is too high to affect the income.
Verb (abbreviation for verb) is constantly observed and adjusted.
When making a fixed investment in the fund, we need to constantly observe and adjust. Generally speaking, the performance of funds will be affected by market environment, macro-economy and other factors, so we need to pay close attention to the trend of funds in time and make necessary adjustments. For example, when the fund has a large increase, the amount of fixed investment can be appropriately reduced or suspended; When the fund falls sharply, the amount of fixed investment can be appropriately increased.
The fixed investment of the fund is a long-term investment, which needs continuous attention and adjustment. When making a fixed investment, we need to choose a suitable fund, open a fund account, make a fixed investment plan, set a fixed investment fund regularly, and constantly observe and adjust. I hope everyone can make a reasonable investment plan according to their actual situation and realize the goal of asset appreciation.