Lazy people have a good way to manage money. It's really wonderful to invest in funds

Friends who have participated in the fixed investment of funds must know that the fixed investment has distinct characteristics and simple operation. Its essence is equivalent to the fixed deposit of the bank. It is a kind of long-term financial management method. Investors invest a certain amount of money to apply for a certain fund at a fixed time point every month (every week). Because the money you invest is relatively fixed, but the net value of the fund will vary in each application. Therefore, through long-term investment and continuous fermentation of compound interest effect, it is expected to obtain more objective income.

In fact, the seemingly simple fixed investment fund, whether the final brewing income of the "wine" is not small knowledge. The following four points are the knowledge you must know before you make a fixed investment in a fund.

No.1 time is the best friend of fixed investment

The fixed investment fund can play the role of compulsory savings. When you set the fixed investment day, your bound bank account will automatically deduct the agreed funds for fund purchase. If the amount of deduction is not enough for several times, the fixed investment plan will be terminated. Generally speaking, it takes at least 2-3 years for a fixed investment fund to see the real compound interest effect. Therefore, time is the best friend of a fixed investment fund, and those who want the investment results to be "immediately" should not make a fixed investment fund. Because of this, fixed investment is suitable for long-term financial planning, such as Pension Reserve or children's education fund reserve.

No.2 fixed investment will also make you mired in the quilt

As the fixed investment object is fund products, the net value of the fund will fall, so the fixed investment also has risks, but the loss generated by the fixed investment will be smaller than the one-time purchase of the fund. The most extreme or the most unfortunate situation is that the fixed investment starts from the high point of the market, and then the market enters into a long-term downward channel. Then the fixed investment plan will be deeply trapped in the mire of being trapped, and it may take at least two or more market cycles to get rid of it.

No.3 is the most suitable market for fixed investment

The answer to the question whether the same fund product is a fixed investment or a one-time purchase depends entirely on the market trend. In the market environment of unilateral decline, both investment methods will suffer losses, but theoretically, the loss rate of fixed investment will be less than that of one-time purchase. On the contrary, in the unilateral rising market, the fixed investment yield will be far lower than the one-time purchase. And the concussion market, especially the wide concussion market, is most suitable for fund investment. Because the fixed investment funds are invested by stages, the investment cost is high and low, and the long-term average is relatively low, so the investment risk is maximized. In addition, the income of "fixed investment plan" is compound interest effect, and the interest generated by the principal is added into the principal to continue to derive income. Through the effect of rolling interest, the compound interest effect becomes more obvious with the passage of time. The best fixed investment plan is to start in a bear market and end in a bull market.