The security of online banking is related to regular antivirus management. Operating norms, the fund account does not play games, and logs in through 360 protection.
I suggest you choose an online fund to invest wisely. Smart fixed investment can actively control the amount and timing of investment in their own hands. With the fluctuation of the stock market, we will not passively invest more at high levels and less at low levels. /
Because with the fluctuation of the stock market, it is best to invest when the valuation is low, but this has nothing to do with the date set in the early stage of investment. Therefore, I suggest you set a suitable interval according to your monthly capital turnover, and then choose smart fixed investment (each fund website has its own basic fixed investment and smart fixed investment rules). According to the growth of the stock market and the heavy stocks of your fund, you choose to stop investing, increase investment or modify time and increase investment times every month.
Diligence chooses efficiency. Just like shopping, you must have an active mind to capture the real market rules.
How to operate the fund is an expert to help you manage your finances. The minimum starting capital of the fund is 65,438+0,000 yuan, starting from 200 yuan.
Go to a bank or fund company to buy funds. Banks can act as agents for many fund companies, and specially open accounts to find bank financial counters. At present, some securities companies also have agents to trade funds. After the bank opens online banking, there is a general discount for online shopping.
Make a self-understanding first, whether it is high risk and high income or steady capital preservation income. The former buys stock funds, while the latter buys bonds or money funds. After determining the type of fund, the choice of fund can be based on fund performance, fund manager, fund scale, fund investment direction preference, fund charging standard and so on. Online ranking of fund performance. Steady stock funds can choose index or ETF. It is best to choose back-end payment for fixed investment. I'm afraid I won't make a specific recommendation. Only the feet know whether the shoes are good or not.
Generally speaking, there are two ways to invest in open-end funds, single investment and regular quota. The so-called fund "fixed investment" means that investors invest a fixed amount (such as 10 yuan) in the designated open-end fund at a fixed time every month, which is similar to the bank's zero deposit and withdrawal method. Because of the low starting point and simple method, the fund is also called "small investment plan" or "lazy financial management"
The fixed 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 and reducing the price on dips. No matter how the market price changes, it can always get a relatively low average cost. Therefore, regular fixed investment can smooth the peaks and valleys of the fund's net value and eliminate market fluctuations. As long as the selected funds grow as a whole, investors will get relatively average returns without worrying about the timing of entering the market.
If you are going to make a fixed investment in the fund through the savings card of China Merchants Bank, please go to cmbchina, the homepage of China Merchants Bank. Click "Personal Banking Popular Edition" on the right, enter the card number and inquiry password, and click the horizontal menu "Investment Management"-"Funds"-"Purchase Funds" to see the list of funds entrusted by China Merchants Bank. Just click "Fixed Investment" on the far right of the fund you need to buy and follow the prompts.
How to redeem the fixed investment? How to operate online? Open the online banking-enter the account number and password-enter the personal webpage-invest intelligently-find the fund to be redeemed-redeem-fill in the redemption share-confirm.
But if there is no urgent need for money or other important circumstances, it is best not to redeem it easily. Fixed investment is a long-term investment, and it is a pity to interrupt halfway.
How to operate the fixed investment of the fund? Ppt Now the fixed investment of funds has become a common way of investment and financial management. Although the fund's fixed investment is known as the lazy financial artifact, there are still many investors who lose money for various reasons, perhaps because you are not suitable for the fund's fixed investment, so which investors are suitable for the fund's fixed investment?
Young moonlight clan:
Because the fixed investment of the fund has two functions: investment and saving, you can leave your daily living expenses after the completion of the investment, and the rest of the funds will be fixed to "force" your savings and cultivate good financial habits!
People with moderate or low risk attitude:
These people don't want to take big risks, so phased investment is most suitable for them. The fixed investment of the fund can not only realize long-term investment, but also realize the average investment cost to the greatest extent through phased investment.
Rich:
But there's no time for it. For example, there are some self-employed people or people with very fast pace of life. They don't have much time to pay attention to market changes and industry news in the stock market or other investment markets. They need more energy to pay attention to their careers or study. These people are also suitable for the investment mode of the fund.
There is a special (or large) capital demand at some point in the future:
For example, you have to pay the down payment for buying a house three years later, the fund for your children to study abroad 20 years later, and even your own retirement pension fund 30 years later. When you know that there will be a big demand for funds in the future, it will not only cause your daily economic burden, but also make the small money every month easily turn into big money in the future.
Office workers with fixed wages:
After most office workers meet their daily expenses, the balance is often small, and a small amount of regular investment is the most appropriate. Moreover, due to the low investment level of most office workers, it is impossible to accurately judge the timing of entering and leaving the market. So through this tool, you can steadily realize asset appreciation!
No matter what kind of person you are, the most important thing is that once you choose to vote, you must stick to it. As an investor, if you don't have the ability to grasp the ever-changing financial market, it is difficult to make a truly correct investment decision. As an investor, it is more meaningful to carefully select stable and high-quality funds for long-term investment than the level of speculative index. Still don't know how to manage money?
Compound interest effect of fixed investment
Long-term fixed investment of the fund can increase wealth with compound interest, and many a mickle makes a mickle. As working-class people, we have some idle funds every once in a while. With some of these investment funds, we can "accumulate sand into a tower" and accumulate a lot of wealth unconsciously.
Take the Shanghai Composite Index as an example, the monthly deduction is 1 1,000 yuan. From the establishment of Shanghai Composite Index 1 990 to the end of 20 14, the compound annual rate of return of fixed investment is 8.85%.
Note: This calculation is not used as any income guarantee or investment advice. The income of the selected index in a specific period does not represent the performance of the funds under Jing Shun Great Wall, and the relevant information is for reference only.
How to dilute the fixed investment cost?
Fixed investment focuses on batch investment, which can balance costs and reduce risks.
1, psychologically speaking, fixed investment conforms to the investment inertia of ordinary investors. It is estimated that few investors will do it if they want most investors to chase up and down like trend investors. Most people are used to buying more positions after falling-although falling positions is a fatal habit in the eyes of trend investors, if you turn this behavior into discipline for a long time, it will become a reliable strategy, that is, fixed investment.
2. From a practical point of view, fixed investment can really reduce the cost of holding positions. Because of the same amount, the more it falls, the more fund shares can be bought, and the faster the average cost will fall. For example, a fund with a net value of 1 1,000 yuan can only buy 1 1,000 copies, but when it falls to 0.5 yuan, it can buy 2,000 copies. More importantly, when 1 yuan and 0.5 yuan make a total investment, your investment cost is not 1 yuan and the simple arithmetic average of 0.5 yuan is 0.75 yuan, but 0.
Therefore, under the downward trend of the market, constant fixed investment can quickly reduce costs. The chart below shows the trend chart of the Shanghai Composite Index from 2008 to now, and the curve below is the cost line after insisting on equal fixed investment at the end of each month. It can be clearly seen that in the wave of plunge in 2008, the cost of fixed investment also fell rapidly, once approaching 2500 points; In the volatile market in the following years, although the fixed investment cost price did not move, it further dropped from 2,700 points to a minimum of about 2,440 points, so it is not too difficult to double the income once it meets the big market above 4,500 points in the first half of this year.
How to choose a fixed investment target?
Under normal circumstances, the greater the fluctuation of net value, the more suitable it is for fixed investment. Because the greater the fluctuation, the more you can play the advantages of fixed investment to spread the cost. In this way, when the market goes up, we can get better returns. Historical data show that stock funds and hybrid funds fluctuate greatly, which are more suitable for fixed investment than relatively stable varieties such as bonds and currencies.
No matter how many theories are said, it is better to give a chestnut! No matter how good the logic is, we must speak with data. Xiaojing knows you! Due to compliance requirements, we can't simulate the fixed investment income of a single fund for our friends. Then, taking the fixed investment results of CSI 500 and CSI 300 in different stages since 6 124 as an example, we will show you three possible results of products with large fluctuations in fixed investment:
Have any friends found that the result of the fixed investment is good, no matter the most sad or the most ordinary people. And the deadline for information is July this year, that is, after the plunge. Then we can also imagine that if we can leave before the plunge, the picture will be unimaginable. ...
Does the fixed investment need to be withdrawn?
I believe that friends have learned from the above picture: treating fixed investment as a habitual financial management method does not mean that fixed investment only does not withdraw. Even if it is a fixed investment, it is necessary to gradually withdraw from the lock-in profit and reduce the fixed investment chips when there is a significant premium in the market; At the same time, when the market enters the downtrend channel again, it will continue to invest without hesitation. The reason for this is the following：
1. Fixed investment is a market entry strategy suitable for ordinary people, but it is not a perfect trading system because it does not match the exit strategy. After a long time of fixed investment, you will find that its effect of reducing the cost of holding positions is getting worse and worse-the reason is very simple, because the amount of fixed investment is getting smaller and smaller than the accumulated investment. (In fact, at this time, your fixed investment cost has been gradually fixed. If the market continues to rise, it is time to reduce the share of fixed investment and hold the foundation. )
2. The market has its own implementation rules, with no endless ups and downs. Whether it is a fixed investment or an ordinary value investor, as long as they wait for the right time, they can wait for the right time to "harvest".
This "historical average P/E ratio chart of A shares" reveals a tried-and-tested rule-when the market is lower than 20 times P/E ratio, buy. 35-45 times the price-earnings ratio, sell. This simple chart really tells investors how to simply and truly realize "buy low and sell high": wait patiently for the time when the value is undervalued (generally corresponding to the low-end area of the market), wait patiently for the valuation bubble after buying (corresponding to the high position of the market), and end in madness. The so-called "bear market to buy assets, bull market cash".
How to operate a fixed investment fund? You just need to open a fund account at the bank counter, and then tell the staff that you are making a fixed investment in the fund, and tell them which fund you bought, how much you invested each month and how long you invested.
Intelligent fixed investment of funds refers to an investment method in which investors apply to China Merchants Bank and agree on the deduction amount, deduction date, deduction period and maturity conditions of each period, and the system will automatically complete the deduction in the designated bank account on the deduction date of each period to purchase funds.
Fixed investment is the abbreviation of fixed-term investment fund, which refers to investing a fixed amount (such as 500 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. People usually refer to funds mainly as securities investment funds.
There are three main analysis methods of securities investment: basic analysis, technical analysis and evolution analysis, in which the basic analysis is mainly applied to the selection of investment objects, while the technical analysis and evolution analysis are mainly applied to the temporal and spatial judgment of specific investment operations as an important supplement to improve the effectiveness and reliability of investment analysis.
Ppt If you make a fixed investment in China Merchants Bank, you can log in to the online banking popular version, enter the card number, inquiry password and additional code, and click the horizontal menu Investment Management-Fund-Purchase Fund to see the list of funds sold by our bank. Just click "Fixed Investment" on the far right of the fund you need to buy and follow the prompts.
With regard to the fixed investment of CCB's online fund, you can directly set the fixed investment online, as long as you set the deduction date and monthly investment amount, and then ensure that there is money in the bank.
How to operate the fixed investment of online banking fund? Landlord, you can do it by winning the account every day. Winning the account every day is a fund account specially used for fund trading, which is also a 40% discount.