So is the fund's fixed investment good every month or every week? But in fact, there is no good or bad, mainly depending on your own precise requirements for this average, or choosing a small customization cycle requires a small variance, while a large cycle is the opposite.
For example, if you choose to make a fixed investment every month, the net value of the fund will rise sharply within one month, and you will miss the low-point jiacang time and the profit point.
If you make a weekly fixed investment, the net value of a fund unit will continue to fall, and frequent fixed investment will increase the position, and the cost will be more biased towards the middle level of the whole fixed investment cycle, which is not conducive to profitable selling in the later period. For example, if you continue to buy when it is rising, you may buy at a high point, which will limit your profit.
If the average value is more accurate, you can choose weekly fixed investment, but if you analyze the long-term investment for three to five years, it is more recommended to choose monthly fixed investment. The average value is not so accurate, and there is more profit margin when you need to sell it.
The fixed investment of the fund is suitable for investors who have long-term stable spare money, can withstand the impact of negative returns and have a certain understanding of the investment market.
Is the fixed investment of the fund good every month or every week?
This should be treated differently according to the type of fund you invest in.
There are many kinds of funds, including bond funds, stock funds, hybrid funds, index funds and money funds.
Risks: stock funds, index funds, hybrid funds, bond funds and money funds.
If you invest in money funds or bond funds, there is almost no risk, just pay the bill directly. Therefore, whether it is daily, weekly or monthly, it can be fixed. The advantages of fixed investment fund and one-time investment lie in spreading risks and diluting costs. At the bottom of the market or in shock, it is suitable to increase the fixed investment and share the cost equally; When the market is on the rise or at the top, it is suitable to gradually sell at a profit and lock in the income.
If you invest in stock funds or hybrid funds, the risk is directly proportional to the income and fluctuates greatly with the capital market. If the frequency of fixed investment is too high, it is impossible to open the spread of each purchase. On the contrary, the higher the fluctuation range of long-term fixed investment, the more suitable it is to make spreads, the more obvious the effect of diluting costs and the greater the income. At this time, it is recommended that you use a monthly fixed investment.
Generally speaking, it is recommended to choose between hybrid, stock and index, and generally choose 3-5. With too many choices, time and energy can't keep up. The same variety of funds, if you choose a fund with better performance and better continuous income, the income will be better. When the market falls sharply, we can consider changing from monthly fixed investment to weekly fixed investment, and changing from mixed products to index products.
There are also many fixed investment calculators on the Internet. You can choose your favorite fund and test it yourself.
As we all know, whether buying stocks or buying funds will involve a question of timing, and timing is the most difficult thing in investment. There is a saying on Wall Street: "It is more difficult to step on the market accurately than to catch a flying knife in the air." As an ordinary investor, he knows little about financial knowledge and securities market, and it is even more difficult to make accurate timing. However, the fixed investment of the fund can weaken the entry point. Through regular fixed purchase and average purchase cost, we can avoid all the risks of high-point purchase and strive to buy at an average price at a certain stage.
The fixed investment of the fund can be month, week and day. In the long run, the benefits of these methods are not much different. For investors, at least a fixed investment should be made on a monthly basis. It is difficult to smooth the investment curve if you make a fixed investment once every quarter or half a year. At the same time, the stock market often changes rapidly. Perhaps in this quarter, the fund plummeted for a month or two, and then rebounded to its initial value. If you can buy a lot of low-priced chips in the month of sharp decline, then once the market goes bullish, everyone can get more benefits.
If funds permit, investors can further increase the frequency of investment, such as weekly or daily.
Of course, everything depends on your own fund allocation.
I also had doubts about this question. To determine the answer to this question, we must first understand the basic principle of fixed investment of funds.
The principle of fixed investment of the fund is to make the investment cost reach its mathematical average as much as possible through long-term fixed investment and phased investment, so as to obtain the average cost advantage. Once the net value of the fund exceeds the average cost, we will get positive returns.
Based on this principle, I think the shorter the cycle, the closer the average cost is to its mathematical average. Therefore, weekly fixed investment is better than monthly fixed investment, and daily fixed investment is better than weekly fixed investment. If it is a quarterly fixed investment or an annual fixed investment, it is meaningless.
In the past, we always chose weekly fixed investment or monthly fixed investment, mainly because manual fixed investment was time-consuming and laborious. At present, the fixed investment of the fund is basically automatic entrusted deduction, and the minimum investment amount can reach 10 yuan. Therefore, the investment cycle can be set as a small daily fixed investment, rather than a large weekly fixed investment or monthly fixed investment.
Considering the rate of return, the overall rate of return of monthly fixed investment is slightly higher than that of weekly fixed investment; But when investing, it is more important to overcome the weakness of your personality. Therefore, whether the fund will make a fixed investment every month or every week depends first on the individual's personality and investment habits, and secondly on the rate of return at different frequencies. After all, there is little difference in the yield of fixed investment. The rate of return of the fund's fixed investment is greatly influenced by the start date and duration of the fixed investment. Taking the redemption date of fixed investment in 2020 as 65438+ 1 as an example, during this period, the representative Shanghai-Shenzhen 300 and Growth Enterprise Market were selected for backtesting respectively in three years, five years and seven years. Take the redemption date of fixed investment as an example, which is May 1, 20 15. During this period, it experienced a big bull market in the stock market, and selected the representative Shanghai and Shenzhen 300 to conduct backtesting according to 3 years, 5 years and 7 years respectively.
(1) Redemption date of fixed investment is 1, 2020.
1. Take CSI 300 as an example.
According to 20 17 10 1, the fixed investment will be started for 3 years. Fixed investment in 500 yuan every week, with a yield of15.24%; Fixed investment every two weeks 1000 yuan, and the return rate of fixed investment15.27%; The monthly fixed investment is 2000 yuan, and the return rate of fixed investment is 15.78%.
According to 20 1 565438+1October1,the fixed investment will be started, and it will remain unchanged for five years. Fixed investment in 500 yuan every week with a yield of 24.45%; Fixed investment every two weeks 1000 yuan, with a yield of 24.50%; The monthly fixed investment is 2000 yuan, and the return rate of fixed investment is 25.4 1%.
According to the date of 20 13 10 1, the fixed investment will be started for 7 years. Fixed investment in 500 yuan every week with a yield of 56.04%; Fixed investment every two weeks 1000 yuan, with a fixed investment yield of 56.06%; The monthly fixed investment is 2000 yuan, and the return rate of fixed investment is 56.9 1%.
Through the back test of Shanghai and Shenzhen 300, the biggest difference between monthly fixed investment and weekly fixed investment is that the fixed investment period is 5 years, with a difference of 0.96%, but overall, the lower the fixed investment frequency, the higher the yield.
2. Take GEM as an example.
According to 20 17 10 1, the fixed investment will be started for 3 years. Fixed investment in 500 yuan every week with a yield of 8.79%; Fixed investment every two weeks 1000 yuan, with a fixed investment yield of 8.80%; The monthly fixed investment is 2000 yuan, and the fixed investment yield is 8.99%.
According to 20 1 565438+1October1,the fixed investment will be started, and it will remain unchanged for five years. Fixed investment in 500 yuan every week, with a fixed investment yield of-2.68%; Fixed investment 1 1,000 yuan every two weeks, with a fixed investment yield of-2.55%; The monthly fixed investment is 2000 yuan, and the return rate of fixed investment is -2.02%.
According to the date of 20 13 10 1, the fixed investment will be started for 7 years. Fixed investment in 500 yuan every week, with a yield of 5.41%; Fixed investment every two weeks 1000 yuan, with a yield of 5.89%; The monthly fixed investment is 2000 yuan, and the fixed investment yield is 6.68%.
Through the back test of GEM, the biggest difference between monthly fixed investment and weekly fixed investment is that the fixed investment period is 7 years, with a difference of 1.27%, but overall, the lower the fixed investment frequency, the higher the yield.
(2) Redemption date of fixed investment is 2065438+May 2005 1. Take the CSI 300 as an example.
According to the date of 20 12, 1, the fixed investment will be started for 3 years. Fixed investment in 500 yuan every week, with a yield of100.84%; Fixed investment every two weeks is 1 1,000 yuan, and the fixed investment yield is 1 1,000.60%; The monthly fixed investment is 2000 yuan, and the return rate of fixed investment is 10 1.84%.
According to May 20 1 year 10, the fixed investment will be started for 5 years. Fixed investment in 500 yuan every week with a yield of 92.94%; Fixed investment every two weeks 1000 yuan, with a fixed investment yield of 93.230%; The monthly fixed investment is 2000 yuan, and the fixed investment yield is 93.63%.
According to May 2008 1, the investment will be fixed at 7 years. Vote in 500 yuan every week with a yield of 91.89%; Fixed investment of 1 10,000 yuan every two weeks, with a yield of 91.89%; The monthly fixed investment is 2000 yuan, and the fixed investment yield is 92.75%.
Through the back test of Shanghai and Shenzhen 300, the biggest difference between monthly fixed investment and weekly fixed investment is that the fixed investment period is 3 years, with a difference of 1.00%. But generally speaking, the lower the frequency of fixed investment, the higher the rate of return, but there are also special cases where the fixed investment every three years is higher than every two or three years.
From the above analysis, it can be seen that the monthly fixed investment yield is higher than the weekly fixed investment yield, regardless of whether the fixed investment is started at the top or bottom of the bull market, but the gap is not big, so the choice of fixed investment frequency should first be considered in combination with your own personality, habits and actual situation, and then it is recommended to choose monthly fixed investment. What is the fixed investment of the fund? Short for fixed-term investment fund, it refers to investing in a designated open-end fund at a fixed time and amount, just like the deposit and withdrawal business of a bank. Also called "small investment plan" or "lazy financial management". In terms of time cost, the monthly fixed investment is definitely more time-saving and labor-saving than the weekly fixed investment, because it is enough to operate once a month and four times a week. With the time and energy saved, you can think about other things.
In terms of yield, short-term returns are generally low. For example, weekly fixed investment is shorter than monthly fixed investment, but it is more flexible. From the perspective of long-term investment, month and week are actually short cycles, and the income difference will not be too big.
From the perspective of investment varieties, this is the most critical. Warren Buffett said: For me, investment is both a sport and an entertainment. I like to "catch rare fast-moving elephants" by looking for good prey. This shows the importance of choosing fund varieties. Which fund should we choose under the present circumstances? Generally speaking, there are three kinds of funds, namely, stock funds, hybrid funds and index funds.
Stock funds. At present, the stock market is around 2800 points, which is at a low value. Investment opportunities outweigh risks, and some equity funds can make fixed investment.
Hybrid fund. In fact, this is also a partial stock fund. At present, there is little risk of stock falling, so we can choose good varieties and control the positions within a certain proportion.
Index fund. This kind of fund follows the changing rhythm of the market closely, and is a passive fund with low holding cost and good liquidity. Can be properly configured, hold for a period of time, and receive good returns.
Hello, my friend, this question also depends on human factors and the amount of funds.
From the investment point of view, of course, the week is better than the month, and every trading day is better than the week. It is an investment, and it also involves many issues such as the amount of funds and the energy of investors. Therefore, according to your own situation, the best choice is the best.
First of all, let's understand the principle of fixed investment and lay the foundation for the following analysis:
1, the fund is fixed investment, in the words of our common people: it is an investment fund with fixed time, fixed amount and installment payment.
2. Investing in quantitative funds in stages, purchasing funds can avoid one-time lock-in, which is conducive to leveling costs and reducing human interference.
Summary: From the principle of fixed investment, the finer the time period, the better. Fixed investment every week, compared with fixed investment every month,
It is more conducive to sharing costs and dispersing risks. More advantageous.
Secondly, we should understand why we should choose the best one according to our own situation:
1, everyone's energy is limited. The fund can even vote once every second. Obviously, people can't do this kind of continuous investment in practice. Most fund investors have other jobs, so choose a reasonable time period to be more balanced.
2. Limited by factors such as the amount of funds. If the amount of funds is small, such as 65,438+0,000 yuan or 65,438+0,000 yuan, it is not worth investing if it is too small. After all, besides time and energy, there are other inputs and expenses.
3. From a practical point of view, weekly or monthly fixed investment is more suitable for most investors. All aspects are relatively balanced, which is conducive to spare time and easy to connect funds.
Summary: Generally speaking, if conditions permit, it is also a good choice to focus on weekly and monthly fixed investment.
To sum up: from the perspective of investment alone, the finer the fixed investment of the fund, the better, and stronger every week than every month.
But you should also consider your own time and energy, the amount of funds and other factors. After all, most fund investors have certain jobs. So it is also a good plan to choose the week, followed by the month. Combined with medium and long-term holding, rolling cycle operation, take profit and stop loss,
It is more conducive to investment funds and wealth accumulation.
Generally, there are three fixed investment frequencies: one month 1 time, two weeks 1 time and one week 1 time. If we only look at the income, which is better? Which is less risky? The back test of the previous data tells us that the answer is not much different, so we don't have to worry about which fixed investment frequency to choose.
However, in the sense of fixed fund investment, the effect of fixed investment 1 time every two weeks will be more suitable for everyone. The reason for this is the following：
Once a week 1 time. Relatively speaking, the frequency of one week 1 time is too high, and the pursuit of our fixed investment fund is to earn compound interest with peace of mind. However, if you can't help learning about the market once a week 1 time, your personal emotions can easily be involved in the market, thus losing the meaning of fixed investment.
Fixed investment 1 time every two weeks will make you worry about missing the market because of fixed investment 1 time in one month, and fixed investment 1 time in one week will make you nervous. The most reassuring thing is to choose a compromise method, and choose to vote 1 time every two weeks, which will not be too frequent and will not worry about one-time investment.
In fact, the effects of the three ways of fixed investment are really not too far away. The main difference is that it can make you feel more at ease.
If you want to increase the income of fixed investment, you can consider the operation method of regular fixed investment, every two weeks 1 time, and each investment can be strategic, such as moving average method or valuation method. The more you fall, the more you buy, which can improve the final income of fixed investment.
Therefore, the frequency of fixed investment is not a big problem, and the method of fixed investment will be more important!
There is no difference in the long-term fixed investment date of the fund. Why do you say that? There is almost no difference because it is to lengthen the fixed investment time for comparison.
Hello, futures Chu Xiao, as a so-called old man who has been engaged in the financial industry for more than ten years, has been in contact with fund investment since 2006 and has many years of financial management and investment experience. At the same time, as a national financial planner, I will briefly answer this question.
First of all, understand the concept of fund fixed investment.
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.
The value of the fund's fixed investment 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 you adopt the method of buying in batches, you will overcome the defects of buying and selling at one time, balance the cost and make yourself invincible in investment, that is, the fixed investment method.
Generally speaking, there are two ways of fund investment, single investment and regular quota. Because of the low starting point and simple method, the fund is also called "small investment plan" or "lazy financial management"
Secondly, understand the advantages of the fund's fixed investment.
It is difficult for ordinary investors to grasp the right investment opportunity in time, and they often buy at the high point of the market and sell at the low point of the market. However, the fixed investment mode of the fund is adopted. No matter how the market fluctuates, the fixed investment fund will be fixed for one day every month, and the bank will automatically deduct the money, and automatically calculate the number of fund shares that can be purchased according to the net value of the fund. In this way, investors buy funds on schedule, and the investment cost is relatively average.
summary procedure
Fixed-term investment funds only need investors to go through the one-time formalities at the fund agency, and then they will automatically deduct the subscription for each period, usually on a monthly basis, but there are also other time limits such as semi-monthly and quarterly as regular units.
Save time and effort
After handling the fixed investment of the fund, the institution will automatically withhold the corresponding fund subscription funds on each fixed day. Investors only need to ensure that there are enough funds in the bank card, which saves time and energy to go to banks or other institutions.
Conventional investment
Every once in a while, investors may have some idle funds. The value-added (or value-preserved) investment through the fixed-investment fund investment plan can accumulate a lot of wealth unconsciously, which is a powerful support for the increasingly rapid economic development of China.
Regardless of the time point
Investors can invest in the market through the "fixed investment plan", and they don't have to care about the time to enter the market, market prices and long-term investment decisions for their short-term fluctuations.
average investment
The capital is invested in stages, with high and low input costs and relatively low long-term average, which maximizes the diversification of investment risks.
compound interest
The income of the "fixed investment plan" is the compound interest effect, and the interest generated by the principal is added to the principal to continue to derive income. Through the effect of rolling interest calculation, the compound interest effect is more obvious with the passage of time.
The procedure is convenient and quick.
The third time I asked this question, "Is the fund's fixed investment good every month or every week?" Why? "
The fixed investment of the fund is suitable for investors who have long-term stable spare money, can withstand the impact of negative returns and have a certain understanding of the investment market.
1. If the market is in an upward trend, it is recommended to choose weekly fixed investment, because when the market is in a listing trend, the later the time, the more expensive the price of the same fund, so the frequency of weekly fixed investment can get a lower price and reduce the investment cost.
2. If the market is in the stage of repeated shocks, it shows that the trend of the fund is not clear, and investors can choose weekly fixed investment or monthly fixed investment according to their own needs.
3. If the fund is in the trend of falling first and then rising, it is relatively more cost-effective to take a monthly fixed investment in the falling stage, because the earlier you buy it, the more expensive it is and the higher the cost.
However, from the practical point of view, it is difficult to accurately grasp the market trend because most individual investors are non-professionals.
Moreover, the purpose of the fund's fixed investment itself is to dilute the cost and smooth the fluctuation in the middle. Excessive pursuit of short-term interests is not in line with the original intention of the fund's fixed investment. Therefore, in the long run, how often the fund makes a fixed investment has little effect on the expected return of the fixed investment.