Fixed investment fund is the abbreviation of "fixed investment fund", which is known as "lazy financial management". It means to invest in a designated open-end fund at a fixed time and with a fixed amount. The investment method is similar to that of a bank, and money can also be taken out.
Fixed fund investment is the abbreviation of fixed-term investment fund, which means to invest a fixed amount (such as 5 yuan) in a designated open-end fund at a fixed time (such as the 8th of each month), similar to the bank's deposit and withdrawal method. What people usually call funds mainly refers to securities investment funds.
automatic investment plan (AIP) is known as lazy financial management, and its value is due to a saying circulating on Wall Street: "It is more difficult to step on the market accurately than to catch a flying knife in the air." If we adopt the method of buying in batches, we will overcome the defect of buying and selling at only one time, balance the cost and make ourselves invincible in investment, that is, the fixed investment method.
generally speaking, there are two ways to invest in a fund, namely, single investment and regular quota. Because of the low starting point and simple method of the fund's "fixed investment", it is also called "small investment plan" or "lazy financial management"
"Compared with the fixed investment, the one-time investment income may be high, but the risk is also great. Because it avoids the influence of investors' subjective judgment on the timing of entry, the risk of fixed investment is obviously reduced compared with that of stock investment or fund single investment.
The fixed-term investment of the fund is similar to long-term savings, which can spread the investment cost evenly and reduce the overall risk. It has the function of automatically increasing the price on dips and decreasing the price on dips, and can always get a relatively low average cost no matter how the market price changes. Therefore, regular fixed investment can smooth out the peaks and valleys of the fund's net value and eliminate market volatility. As long as the selected funds have overall growth, investors will get a relatively average income, and they don't have to worry about the timing of entering the market.
It is difficult for ordinary investors to grasp the right investment time in time, and it is often possible to buy at a high market point and sell at a low market point. However, the fixed investment mode of funds is adopted. No matter how the market fluctuates, the fixed investment fund is fixed for one day every month, and the bank automatically deducts the money, and automatically calculates the number of fund shares that can be bought according to the net value of the fund. In this way, investors buy funds on schedule, and the cost of investment is relatively average.