Fund fixed investment refers to a fixed amount of time to invest in a designated open-end funds, by constantly buying to increase the share of the position to spread the cost of the position, compared with a one-time purchase, its risk is lower, but, in the process of fixed investment, there are also the following six taboos.
Fixed investment in the process of rising funds
In the process of rising funds fixed investment will raise the cost of the investor's position, increasing risk, while in the process of falling funds fixed investment, you can buy continuously, increasing the share of the position to reduce its position cost, diversify risk, and so on when the fund rebound, to achieve the smile curve effect.
All funds are suitable for fixed investment
Not all funds are suitable for fixed investment, for example, which are less volatile money-type funds are not suitable for fixed investment, in fixed investment, it is difficult to achieve the smile curve effect, it is more suitable for a one-time buy, for which volatile stock funds, index funds are more suitable for fixed investment.
Arbitrarily change the fixed investment amount or disrupt the fixed investment time
The purpose of fixed investment is to prevent "chasing after the rise and kill the fall". But the premise is that the investor completely obey the discipline of fixed investment. If you change the amount at will or suspend the fixed investment when the market is down, it will lose the meaning of fixed investment.
Do not pay attention to the quality of the selected investment fund products
Investors in the fixed investment process do not pay attention to the quality of the selected investment fund products, that is, the historical performance of the fund manager, may make investors earn less than the desired return.
The longer the time of fixed investment, the higher the return
Although the fixed investment is suitable for long-term investment, but not always hold on to profit, or need to set a break-even line, sell when the target break-even point is reached.
For example, in the case of poor market conditions, some funds affected by the market conditions, may appear waist, in the face of this situation, investors should end the fixed investment operation as soon as possible, and after the bottom of the fund stabilization, and then re-fixed investment.
Take fixed investment as short-term speculation
Investors in the process of fixed investment in the fund, treat him as short-term speculation, frequent operations, which not only let investors incur high fees, but also let investors sell flying funds.
At the same time, fixed investment exists the following skills:
1. Choose the more volatile funds for fixed investment. Investors in the process of fixed investment, should select more volatile funds, for example, stock funds, index funds, they are more likely to produce the smile curve effect, while for currency funds, bond funds, they are less volatile, the trend is more stable, not suitable for fixed investment operations, more suitable for a one-time buy.
- In the fund down channel fixed investment.
Investors should choose the fund is in the down channel, fixed investment operation, in the fund in the down channel fixed investment, can be continuously increased position share to reduce its position cost, diversify risk, waiting for the rebound of the fund net value, to achieve the smile curve effect, and in the process of the fund up fixed investment, will increase its position cost, increase risk.
3. Fixed investment process to suspend the profit not stop loss
Investors in the process of fixed investment operation, you can set a good stop gain level to ensure its earnings, but the fund fixed investment has long-term, compound interest, average cost characteristics, therefore, in the fixed investment process does not need to set a stop loss.
4.Select dividend reinvestment dividends
Investors can change the dividend distribution method of the fixed investment fund to dividend reinvestment to realize the compounding effect by increasing the holding share.
- Select Thursday for fixed investment
After the verification of stock history, Thursday is known as "Black Thursday", that is, on Thursday the probability of the stock rising than the probability of falling is small. The stock falls to drive the corresponding index down, so the fixed investment on Thursday can make the average cost lower, to obtain higher returns.