Generally, the Fund's investment in two ways, and regular fixed single investment. Regular fixed manner similar to bank savings "installment" approach. The so-called "regular fixed" is the fixed time intervals (eg monthly on the 25th) with a fixed amount (for example, 500 million) invested in the same open-end funds. Its biggest advantage is that the average investment costs and avoid risks when _select_ed. Fund investment characteristics: 1, the average cost of risk diversification Ordinary investors is difficult to timely grasp the correct investment timing, often may be the high point in the market to buy, sell at market lows. The use of funds at fixed investment, regardless of how the market volatility, the day fixed monthly fixed investment funds, automatic debit from the bank, automatic calculation of the number of fund shares may be purchased in accordance with the fund's NAV. Such funds investors to buy into the fund is on schedule, the cost of investment is relatively average. (Golden Network www.dianjin.com) 2, suitable for long-term investment Since the regular fixed investment is batch approach, when the stock market fell in the consolidation or, because of regular fixed batches to undertake, so would be able to buy the more expensive the more ROI rally was also better than the single investment. For the Chinese stock market, the long term upward trend should be shock, therefore very suitable for long-term investments at fixed financial plan. JPMorgan investment consulting company in Taiwan investor survey results show that about 30% of fund investors choose to invest regularly way. Especially the 31-40 year-old middle-aged population, there are up to 36 percent the proportion engaged in this investment. Investors to invest in tools satisfaction survey, satisfaction of investors trading in Taiwan stocks was 39.5% were single purchase satisfaction Taiwan Fund 55%, single investment by overseas funds satisfaction of 52.5%, while the regular fixed investment fund's satisfaction is as high as 53.2%, and further description investors low volatility, the pursuit of long-term stable value investment targets more favor. 3, more suitable for investment in emerging markets and small-cap funds Long-term fixed investment performance volatile emerging markets or small stock of overseas funds, the stock market correction time is generally longer and slower, but the stock market rising faster rise times faster, investors can often fall in the stock market when Accumulated more fund shares, so it can get a better return on investment in the stock market rebounded. According lipper fund data show that as of the end of June 2005, the last three years continued to debit any investor to invest in a small company stocks in emerging markets or types of funds with at least a 23% average rate of return. 4, automatic debit, the procedure is simple Just fixed investment fund investors to fund distribution agencies for a one-time procedure, after each period are automatically debit purchase, usually on a monthly basis, but there are other times to half, quarter, etc. deadline as regular units . In contrast, if they go to buy the fund, investors will need every person to commission agencies formalities. Therefore, fixed investment funds are also known as "lazy banking technique", fully embodies the characteristics of its convenience. Advantages regular fixed First, invest regularly, add up. Investors may from time to time there will be some idle funds to purchase fund by investing in fixed investment plans can add value, "trickle", unknowingly accumulate a small fortune. Second, automatic debit, simple procedures. Just go to fund distribution agencies for a one-time procedure, future installments are automatically debit purchase. Third, the average investment risk diversification. Regular investment funds, investment costs more evenly, maximizing spread the risk. Who is suitable 1, the fixed salary collar workers: Most of the workers salary income, after deducting the cost of their daily lives, the remaining amount is often small, small amounts of regular fixed investment is most appropriate. And because most workers can not always personally during business hours to purchase financial institutions in handling procedures, and therefore _set_ to fixed investment in automatic debit of the account designated for office workers is the best way to save time. 2, at a future date with special funding needs by: For example, three years after the first installment payable homebuyers, two years after their children to study abroad funds, and even three years after their retirement pension funds, and so on. Known to have large capital needs in the future, the early small to regular fixed investment to plan, not a burden not only on its own economy, but also to make a little money each month in the future become a lot of money. 3, does not like those who bear the investment risk is too great: Due to fixed investment has a weighted average cost of investment advantages, which can effectively reduce the cost of the overall investment, making the risk of price fluctuations decreased, thereby enhancing profit opportunities. (Guotai Junan Allianz Fund Management Co., Ltd.) Series of reports: "Regular fixed," one investment fund: What is at fixed "Regular fixed" investment fund of the two: the average cost of risk diversification "Regular fixed" three investment funds: small money into a lot of money "Regular fixed" four investment funds: Choose the right time "Regular fixed" investment fund five: _Select_ the appropriate fund "Regular fixed" six investment funds: Who is suitable? "Regular fixed" Seven Investment: It is important to assess the redemption point "Regular fixed" eight investment: developing efficient investment strategies Services Fund investment plan is the investment within a certain period, the investor a fixed time, purchase a fixed amount of a bank branch agency fund products business. Simply, it is similar to an installment savings bank fund financial operations. After you open fund investment, the Bank will debit the amount based on your application, the investment period, automatic debit per month. From your opening fund investment business in the second month, I line systems based on the amount you are applying for, life, auto-debit the first day of each month, if the account balance is insufficient, will continue to charge the next day. Only the minimum monthly investment amount debited $ 200. Transaction time, transaction costs, purchase price, redemption is generally the same as a normal purchase. Fund investment plan has the following advantages: 1 using the average cost method dilutive investment costs, reduce investment risk For single investment, fixed investment and long-term way of belonging to a fixed monthly charge, regardless of market ups and downs, do not bother to _select_ market timing, cost reduction method using long-term average. Similar installment savings banks, regardless of how market fluctuations, regularly buying fixed fund; while NAV to rise, the number of units to buy less, whereas a decrease in the NAV, buy a few more units. Over time, cost and risk sharing naturally low. Bull market (when stock prices) bear market (when stocks fell) Regular investment unit prices for unit prices for the number of units the number of units ¥ 1,000 ¥ 1.00 1,000.00 ¥ 1.00 1,000.00 ¥ 1,000 ¥ 1.02 980.39 ¥ 0.98 1,020.41 ¥ 1,000 ¥ 1.05 952.38 ¥ 0.95 1,052.63 ¥ 1,000 ¥ 1.05 952.38 ¥ 0.95 1,052.63 ¥ 1,000 ¥ 1.08 925.93 ¥ 0.92 1,086.96 Total ¥ 5,000 Total 4,811.08 5,212.63 Total Units Units The average unit cost of ¥ 1.0392 = (¥ 5,000 / 4,811.08) ¥ 0.9592 = (¥ 5,000 / 5,212.63) The average price of ¥ 1.0400 = (1.00 +1.02 +1.05 +1.05 +1.08) / 5 ¥ 0.9600 = (1.00 +0.98 +0.95 +0.95 +0.92) / 5 From the above table it is clear to see that fixed investment of $ 1,000 per month result, regardless of bull or bear market, the average cost of funds than the average market price of the acquisition, so investors use regular fixed way open-end fund investment Even faced with the bear market do not have to panic, because during this time, with the same cost but the number of units you can buy more, once the end of the bear market, bull market coming, profitability is even more impressive. 2 complete without considering the investment timing Tips for investing is "buy low and sell high," but few people can grasp the best in the investment profitable trading point, the most important reason is that most people in the investment often fall into the "chasing the high kill low" blind spot because when the market is in the doldrums, even if the investor is an approach that point in time, but because the market which will also fall into pessimism, and so many investors discouraged; Similarly, when the market index is high , saw shares hit record highs, many people even if profit, the money will not help but once again into the stock market, and the new influx of funds will continue to create a warm sentiment, making it difficult to determine a rational investment market . Therefore, to avoid this artificial subjective judgment by investors' fixed investment plan "to invest in the stock market, do not care about the time of entering, do not care about the market price, without changing the long-term investment decisions for the short-term fluctuations in the stock market. 3 plot multiple laurels, a little money can make a large investment "Do not put all your eggs in one basket" is to spread investment risk is an important rule, however, in the case of limited funds, the investment in different sectors of blue chip stocks requires huge capital. The fund itself is a collection of all the money to invest, so fund investors can invest the little money scattered on different stocks. And lower investment in fixed investment funds, the funds required, only 200 yuan per month to a minimum, investors also own visual conditions in the future income increases, the amount of investment increased at fixed, very suitable for office workers or those on a fixed income to take advantage of every month. 4 considerable long-term effects of compounding "Investment Plan" income for the compounding effect of the interest generated by the principal to join the principal continues to derivative gains, through the effect of Gary Lee, with the passage of time, the compounding effect is more obvious. Fixed investment compounding effect takes longer to fully demonstrate, it is not appropriate due to short-term fluctuations in the market and just terminated. As long as the long-term outlook is good, but the market is short-term decline in the number of inexpensive opportunity to accumulate more units, once the market rebound, the cumulative number of units can be a long-term profit. Places to raise long-term financial goals of their children's education, retirement is more appropriate. Service Features A fast: simple procedures, automatic debit. After your first application, automatic monthly bank card for, you do not have to consider the purchase point, which greatly facilitate your investment. Two low: low starting point, low risk. Minimum subscription amount of fund investment is only $ 200 a month, does not make you too much financial burden. Invest a fixed amount every month to take when NAV fell, the more fund shares purchased; NAV rises, fewer fund shares purchased, resulting in equal shares the cost of investment and risk reduction effect. More than three: Stick savings add up; expert financial, benefited; ICBC service more convenient. Adhere savings add up: fund investment has been able to achieve "a small accumulation of great wealth," the financial goals, the key lies in its higher compounding effect of various savings and debt. Financial experts, benefited: the launch of the Fund will vote to achieve the financial needs of our customer can participate with a smaller amount of the Fund's investments. My line of business fixed investment funds _select_ed fund products have outstanding investment performance or distinctive product characteristics, choose this kind of _select_ion of mature products, will bring you more revenue. Also, you participate in the investment income of the Fund will vote to get completely tax-free. ICBC service, convenience More: Currently only other domestic institutions consignment fixed monthly transfer money in one day, the Bank may decide customers transfer money every month a different day, transfer money greater flexibility to provide you with a personalized investment banking services. ☆ "fund investment" product list ICBC Credit Suisse Core Value Fund (Fund Code: 481001) GF Stable Fund (Fund Code: 270002) Blue Chip Growth Fund Facility (Fund Code: 161605) Lion Balanced Fund (Fund Code: 320001) Bo _Select_ Equity Fund (Fund Code: 050004) South Po-Yuan Bond Fund (Fund Code: 202101) GF grand Fund (Fund Code: 270001) SYWG BNP Paribas _Select_ Fund (Fund Code: 310308) China Hua msci a stock index Enhanced Fund (the Fund Code: 040002) League of Nations Desheng Stable Fund (Fund Code: 255010) Southern Stable Growth Fund (Fund Code: 202001) Intermediation Shenzhen 100 Index Fund (Fund Code: 161604) Bauhinia Pan coastal Regional Growth Fund (Fund Code: 213002) Soochow Golden Harvest Advantage _Select_ Fund (Fund Code: 580001) Wells Fargo Tianhui featured Growth Fund (Fund Code: 161005) ICBC Credit Suisse Picks Balanced Fund (Fund Code: 483003) GF Jufeng Fund (Fund Code: 270005) UBS SDIC core enterprise fund (Fund Code: 121003) Huitianfu Advantage _Select_ Fund (Fund Code: 519008) Invesco Great Wall Emerging Growth Fund (Fund Code: 260108) Southern actively Allocation Fund (Fund Code: 160105) Lion Stock Fund (Fund Code: 320003) Peng Hua Industry Growth Fund (Fund Code: 206001) Facility CNINFO 100 Index Fund (Fund Code: 161607) SW Paris New Power Fund (Fund Code: 310328) E Fund Value _Select_ Fund (Fund Code: 110009) BOCI China _Select_ Fund (Fund Code: 163801) ☆ Service Channel ICBC business office, online banking can apply for the "fund investment" business. ☆ Operation Guide 1 All you need to bring a valid personal identification documents, holding Elite Club Account Card or Money Link (e era card) to complete the formalities to counter outlets. 2. Fund investment business monthly minimum subscription amount of 200 yuan, the amount of investment in steps of 100 yuan. Currently, ICBC launched the investment for a period of 3 years, 5 years and 8 years of fund investment three varieties (corresponding to the Fund will vote species code for 361,601 and 961), are zoned paragraph month period. 3 of fund shares by fund investment purchase and confirm successful, investors can always hold valid identity documents and fund trading cards to the local ICBC agency networks for redemption fund business operations within the business acceptance time. 4 general purchase as fund investment purchase must follow the "unknown value" and "amount of purchase" principle. "Unknown price" means the investors in the fund investment purchase business to fund shares at the date of the actual charge is calculated as a benchmark. 5. Fund investment services at no additional charge, the funds of the Fund will vote the way the specific charges and the rates the same general purchase (excluding promotions). 6 people apply to run after the investment fund investment, such as the opening of trading applications within the statutory time, the banking system on the date of application specified in the bank account from investors; such as the opening of the legal trading hours after application, the banking system in the transaction for The next day the designated account debit funds from investors. From start-up fund investors will vote a second fixed-term business first working day, the banking system from the beginning investors the bank account specified by lack of funds, such as the account balance trading day statutory time specified by the investor, the banking system will continue automatically debit the next day, according to the actual date of the share of fund NAV confirmed debit. 7 Investors exit fund investment business in two ways: one is the investor by Commercial Bank of China to fund management companies take the initiative to withdraw from fund investment business applications; and after the fund management company confirmed that investors fund investment business plan to stop. Second, the investors in the fund investment business applications, lack of funds in the investment account designated by debit and investors failed to timely make up the agreed purchase funds, resulting in fund investment can not continue to implement the business plan, the system will record the investor defaults times, such as the number of defaults reached three times, the system will automatically terminate the investor's fund investment business. The number of defaults is calculated as follows: If the investor underfunded account balance for the period, the deduction for purchase unsuccessful, the default number plus one. In the next stage times, the system not only to fill buckle of the purchase money, but also to deduct the current subscription models, buckle up if both the purchase and the purchase chargeback period successfully, the default number minus one; If the purchase is successful and buckle up Current debit purchase is not successful, the number of default unchanged; buckle up if both the purchase and the current debit purchase is not successful, the default number plus one; and so on. 8 If the investor is not timely pay the fund is scheduled to vote on the plan period specified in the business plan payments, investors can not pay the amount of the payment period should be withheld funds deposited into a designated account at the same time, and according to the actual charge Fund value calculation to confirm the date of the share. ☆ Tips General financial goals should be based on years of an investment limited number of years, "Investment Plan" investment period is three, five and eight years after the maturity to deal with the situation as a review of past investments, according to the fund's performance to determine whether replacement of fixed investment fund portfolio continues to start a new one investment "fixed investment plans." In order to improve your long-term financial gains, ICBC recommends attention to the following points when "the Fund will vote" in the process: 1 should not stop at low charge Boom cycle of high and low, the stock market go up and down, it is also often the most pessimistic when the lowest point, but investors often stop at this point deductions. Due to the low number of units available to buy more, until after the rally can enjoy more favorable returns, and therefore must not lose the greater. 2 Long-term investors significant benefits "Investment Plan" With the average cost of the strategy to reduce investment risk, but also need to be relatively long-term investment, in order to overcome the risk of market fluctuations, and to obtain benefits when the market rebounded. Including domestic stock, including maintaining global stock markets on a long-term upward trend overall, if the longer the investment period, you can resolve the short-term stock market volatility, the stock market received a long-term profit. 3. Sooner you start, the better Because the longer the investment period, the compounding effect is more obvious, accumulated more wealth. So if you plan to begin regular fixed as soon as possible, will be able to achieve financial goals sooner. Eight Mistakes fund investment Business fixed investment funds increasingly favored by investors, this investment will not only mean cost, risk diversification, and investment in a manner similar to "installment" savings, just go to the bank or securities business department signed an agreement can be achieved Automatic investment, enjoying income, so the fund is scheduled to vote is also known as "lazy investment technique." However, fixed investment, after all, is a new business, there are many errors on the understanding of many investors. Misunderstanding one: any funds are suitable for fixed investment Although the average cost of fixed investment can control the risk, but not all funds are suitable. Bond fund returns are generally more stable, fixed investment and the effect of one-time investment gap is not too big, and volatile equity funds, fixed investment is more suitable to balance cost and risk. Myth two: fixed investment only long-term investment Although fixed investment fund to facilitate the control of risk, but the market outlook is not optimistic about the case, whether it is a one-time investment or fixed investment should be cautious, has handled the fund investment plan should be considered to avoid the risk of problems. As originally planned to invest five years, two years after the debit market prospects if they feel bad, could be considered the first profit-taking, do not blindly wait plan expires. Misunderstanding number three: debit Day can be any day Although scheduled to vote using a fixed monthly debit date, but because there is only 28 days in February, so as to ensure the full year at a fixed time debit, debit date is only 1-28 days per month; addition, in case of debit Day holidays will be automatically extended, such as debit date agreed on July 8, but if time is Sunday May 8, the date is automatically extended to debit the 9th. Myth four: only monthly fixed investment Under normal circumstances, the investment is scheduled to vote only on a monthly basis, but there are fund provisions, will vote to monthly, bimonthly or quarterly investments. Now most of the units are generally paid a fixed monthly salary and divided into quarterly bonus. Kisaragi wages barely enough for everyday use, quarterly bonus can invest for quarterly investment. More comfortable if the monthly salary, or young people want to save money you can force yourself to monthly investments. Myth five: memory leak after mistakenly kept fixed investment agreement lapsed Investors sometimes forget in advance because deposits, and reduce the amount of delay in the payment of wages and other factors, resulting in fund investment can not be properly charged, then some investors believe it is their own breach of contract, is scheduled to vote on the failure. In fact, some fund companies and banks provisions, such as insufficient funds account balance date of the investor's legal trading hours, the banking system will automatically charge the next day to continue until the end of the day according to the actual NAV of fund shares debit confirmation. Therefore, the month debit unsuccessful does not matter, as long as the memory of money in your account as soon as possible (within three months) can continue to participate in fixed investment. Myth Six: fixed investment amount can change After a rule, after the signing of fixed investment agreement, the agreed investment period fixed investment amount can not be modified directly, If you want to change only the first to Agent locations for "Undo regular fixed purchase" procedures, and then re-signed a "regular fixed subscription application" before changes. Seven Mistakes: Fund redeemed only once cleared Foreclosure Many investors think that redemption can only be held by the redemption of all fixed investment funds, investment funds can actually be redeemed all at once, can also choose partial redemption or partial conversion. If the demand is less than the amount of money given the amount of investment, the number of foreclosure how much is available, other shares may continue to hold. Myth Eight: The Redemption of fixed investment agreement automatically terminated Some people think that the fixed investment fund redemption, is scheduled to vote on the automatic termination, in fact, even if all fund redemption, but prior to the signing of the investment contract is still valid, as long as there is enough money and meet other conditions within your bank debit card, then the bank will be charged periodically. Therefore, customers who want to cancel the fixed investment plan, in addition to the redemption fund, but also to sales outlets fill out the "termination at fixed subscription application", for the termination of fixed investment procedures; may also be charged for three consecutive months does not meet the requirements, in order to achieve Business fixed investment is automatically terminated.
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Fund investment characteristics and advantages
1, the average cost of risk diversification Ordinary investors is difficult to timely grasp the correct investment timing, often may be the high point in the market to buy, sell at market lows. The use of funds at fixed investment, regardless of how the market volatility, the day fixed monthly fixed investment funds, automatic debit from the bank, automatic calculation of the number of fund shares may be purchased in accordance with the fund's NAV. Such funds investors to buy into the fund is on schedule, the cost of investment is relatively average. For example, if you invest 100 yuan every month a certain open-end funds, a total investment of 6 years down the total amount of $ 600, the purchase price every time investment funds were $ 1 .95 yuan , 0.90 yuan, 0.92 yuan, 1.05 yuan and 1.1 yuan, the number of shares you purchased each time were 100 copies, 105.3 parts, 111.1 parts, 108.7 parts, parts and 90.9 parts of 95.2, the cumulative number of shares was 611.2 parts the average cost of 600 ÷ 611.2 = 0.982 yuan, while the return on investment compared to (1.1 × 611.2-600) ÷ 600 × 100% = 12.05%, compared to the beginning of the purchase price that is $ 1 invested 600 Yuan ROI 10% better. (Note: The fund investment risk, past examples for reference only, not as a fund investment yields imply or guarantee.) 2, suitable for long-term investment Since the regular fixed investment is batch approach, when the stock market fell in the consolidation or, because of regular fixed batches to undertake, so would be able to buy the more expensive the more ROI rally was also better than the single investment. For the Chinese stock market, the long term upward trend should be shock, therefore very suitable for long-term investments at fixed financial plan. JPMorgan investment consulting company in Taiwan investor survey results show that about 30% of fund investors choose to invest regularly way. Especially the 31-40 year-old middle-aged population, there are up to 36 percent the proportion engaged in this investment. Investors to invest in tools satisfaction survey, satisfaction of investors trading in Taiwan stocks was 39.5% were single purchase satisfaction Taiwan Fund 55%, single investment by overseas funds satisfaction of 52.5%, while the regular fixed investment fund's satisfaction is as high as 53.2%, and further description investors low volatility, the pursuit of long-term stable value investment targets more favor. 3, more suitable for investment in emerging markets and small-cap funds Long-term fixed investment performance volatile emerging markets or small stock of overseas funds, the stock market correction time is generally longer and slower, but the stock market rising faster rise times faster, investors can often fall in the stock market when Accumulated more fund shares, so it can get a better return on investment in the stock market rebounded. According to Lipper fund data show that as of the end of June 2005, the last three years continued to debit any investor to invest in a small company stocks in emerging markets or types of funds with at least a 23% average rate of return. 4, automatic debit, the procedure is simple Just fixed investment fund investors to fund distribution agencies for a one-time procedure, after each period are automatically debit purchase, usually on a monthly basis, but there are other times to half, quarter, etc. deadline as regular units . In contrast, if they go to buy the fund, investors will need every person to commission agencies formalities. Therefore, fixed investment funds are also known as "lazy banking technique", fully embodies the characteristics of its convenience. The advantages of investing at fixed First, invest regularly, add up. Investors may from time to time there will be some idle funds, to buy the underlying investment plans through regular fixed investment value could "gather into a mound of sand," unknowingly accumulate a small fortune. Second, do not consider the investment timing. Tips investment is "buy low and sell high," but few people grasp at the best point of sale profitable investment, in order to avoid this kind of subjective human misjudgment, investors can be "fixed investment plan" to invest in the market , do not care about the time of entering, do not care about market prices, without having to change their short-term fluctuations and long-term investment decisions. Third, the average investment risk diversification. Funds are invested in phases, the investment costs are high and low, long-term average is relatively low down, so to maximize the dispersion of investment risk. Fourth, the compounding effect of long-term substantial. "Investment Plan" income for the compounding effect of the interest generated by the principal to join the principal continues to gain derived by the effect of compound interest over time, the compounding effect is more obvious. Fixed investment compounding effect takes longer to fully demonstrate, it is not appropriate due to short-term fluctuations in the market and just terminated. As long as the long-term outlook is good, but the market is short-term decline in the number of inexpensive opportunity to accumulate more units, once the market rebound, the cumulative number of units can be a long-term profit.
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Fund investment principles
1, _set_ting financial goals. Charge 3,000 yuan a month can be timed or 5,000 yuan, a small number of high net worth when buying shares, the net number of shares when buying low and more time this approach can be dispersed. This "average cost" best suited to raise the retirement funds or their children's education fund. 2, within our capabilities. Fixed investment must be done easily, did not burden the customer had decided to diversify investment targets chargeback 50,000 yuan a month, but after some time they have to continue to invest in fixed deposits taken out, so too does not pay. Suggest that you'd better analyze their monthly balance of payments, calculated idle funds saved can be fixed, 3,000 yuan, 5,000 yuan can be. 3, _select_ the upward trend in the market. But the fundamentals of good market oversold best suited to start to invest regularly, even if the market is low, as long as optimistic about the future long-term development, we can consider starting investment. 4, decided to invest in the investment period objects. Regular fixed time compounding effect of long-term investments in the stock market long and short scattered, short-term risk NAV downs, just to comply with the principles of long-term debit, choose a larger fund volatility actually can enhance revenue, and a higher risk of long-term funds rate of return should be better than low-risk fund. If longer-term financial goals is more than 5 years to 10 years, 20 years, why not choose the volatile funds, and if it is the target of five years, or choose a more stable performance of the fund is appropriate. 5, perseverance. Long-term accumulation of wealth at fixed investment is the most important principle, it is best to continue this way for more than 3 years to get good results, and long-term investments can bring regular fixed compounding effect. 6, master termination time. Deadline fixed investment should be determined by market conditions, such as has invested two years, the market rose to a very high point, and after analyzing the market is likely to enter another short cycle, it is best to know in advance the termination profit. If you are going to face capital needs, such as approaching retirement age, even to begin to pay attention to market conditions, decided to surrender point. 7, the use of part of the termination, timely conversion fund. After the start of regular fixed investment, redemption or termination if the temporary market to be in a high position, but his outlook on the situation is not quite sure, do not completely surrender, partial shares redeemable for funding. If the market trends change, can be converted to another round of upward trend in the market, continue to invest regularly. 8, to trust the experts. At the start of regular fixed investment should be too concerned about short-term ups and downs, and the share of the cumulative number of conditions, consult experts when necessary can.
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Precautions fund investment
One, will vote for what kind of crowd A young paycheck to paycheck: Since the investment fund investment and savings have two functions, you can leave everyday life behind payroll expenses, some of the surplus funds to do is scheduled to vote to "forced" savings themselves, to develop good financial habits! 2, the fixed salary collar workers: workers pay most of the proceeds to cope with everyday living expenses after the balance amount is often small, small amounts of regular fixed investment is most appropriate. And because most workers do not have a high level of investment, you can not accurately determine the timing of entry and exit, so by the Fund will vote this tool to achieve steady capital appreciation! 3, at a future point in time there are special (or larger) capital requirements: for example, three years after the first payment payable on the purchase, two years after their children abroad to study funds, and even three years after their retirement pension funds and so on. Known to have large capital needs for the next time, early on a regular basis to raise small investment, not only not be a burden on their daily economic, but also allow a little money each month to easily evolve into big money in the future. 4, do not like those who bear the investment risk is too great: As fixed investment has the advantage of the weighted average cost of investment, which can effectively reduce the overall investment costs, making the risk of price fluctuations decreased, thereby steadily profitable, long-term investors in the long-term bullish market The best _select_ion tool. Second, choose the right time Fund is certainly small investors to participate in the stock market the best way to grow profits, but not every fund is suitable fixed investment, the election of the investment objectives in order to create superior returns. First of all bond funds and other fixed income instruments less suitable way with regular fixed investment, periodic fixed first consider the stock funds. Second, we must choose the upward trend of the market while fixed investment. But the prospect of a good market oversold best suited to start to invest regularly put upward economic cycle, at this stage in the bottom of the consolidation of the market to avoid chasing high profits and principal is to create a safe opponents. So long as the long-term prospects, the short-term bearishness in the market is the most worthy start to invest regularly. Third, choose the right fund Choose volatile or relatively stable fund is an issue that must be considered when fixed investment. Fluctuations in the fund have the opportunity to accumulate more shares in a net decline of low-cost stage, the market rebounded quickly be profitable. But if you start at a high point deductions, unfortunately hit lows redemption, even if the risk of regular fixed dispersion approach can not improve profitability. Smooth fluctuations in the performance of the fund is small, generally do not encounter the problem of foreclosure in the lows, but relative to the average cost will not drop too much profit is relatively limited. In fact, long-term investments at fixed time compounding effect of dispersing the stock market long and short, short-term risk NAV downs, as long as the stick to the principle of long-term debit, choose a larger fund volatility actually better able to increase profitability, and higher risk fund The long-term rate of return should be lower than the risk of the fund, so if the longer-term financial goals, such as more than five to ten years, twenty years, why not choose the volatile fund, and if the target within five years, or _Select_ appropriate fund performance more stable. Fourth, how to determine the amount of fixed investment Varies, depending on the circumstances judge! Under normal circumstances, the need to get rid of the monthly payroll expenses, the remaining funds can come up with 40% -60% do fund investment, the Fund will vote after all, are long-term investment, you need to consider and take into account future revenue and expenditure! Fifth, it is important to assess the redemption point It is important to determine the point in time when the redemption regular fixed investment funds. If you just hit the market tumbled, the fund's NAV fell, then the number of units before cumulative effect of patience will be greatly reduced. So fixed investment should be properly planned, such as pension funds accumulated long-term funds in the three years before retiring age should begin to pay attention to redeem the time. And even if only half of the investment period, or pay attention to the growth of market conditions to adjust. For example, when the original plans to invest five years, has been in charge for three years after the high-end market, and the market will enter another short cycle, then it is best to take profits, in order to avoid facing funding needs, just hit the bottom of the bear market. Profits may use part of the redemption, and timely conversion. After the start of the fixed periodically, if temporary must surrender cash, or in the high-end market, they can not determine the direction of the long and short follow-up trend, you do not have time to redeem all of the Units may be redeemed for funding some units, other units may be retained until the trend clear and then decide. If market trends change, can be converted to another rising trend in the market continues to invest regularly. Once an appropriate fund fixed investment, you do not care about the short-term ups and downs. Sixth, the development of efficient investment strategies Regular monthly fixed and "fixed deposit" is still some difference, you can utilize a variety of investment strategies flexibility and improve investment efficiency. One, with a long, short-term goals to _select_ different funds In order to raise their children as 300,000 yuan Scholarship, then choose a stable fund is suitable; But if the investment period elongated, low monthly investment amount required, you can assign a modest proportion of the aggressive and robust investment funds to acquire greater benefits. Second, according to the financial ability to adjust the amount of investment With longer hours of employment, incomes, the monthly total amount invested personal or family increases. Timely raise the amount of the monthly deduction is also a shorter period of investment and improve investment efficiency way. Third, after reaching pre_set_ target content to be re-considered portfolio While fixed investment is needed for a long time before they can show the best results, but if indeed return on investment over a period of pre-investment has been reached, you may wish to view the contents of the need to adjust the portfolio. Not a regular fixed monthly charge on it, using a simple and flexible strategy, you can make your investment more efficient, to achieve an early financial goals.
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The difference between fund investment and general subscription
1, the fund is scheduled to vote than the general fund purchase amount required is much lower minimum investment limits some funds could even be $ 100, and the purchase of a fixed amount every month. 2, common purchase buy low and sell high risk, and fund investment funds investment schedule, the investment cost is more than the average general purchase.
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Eight golden rule fixed investment
Fixed investment fund approach has been adopted by more and more investors, regular fixed monthly automatic debit has simple procedures, average cost, risk diversification and the advantages of having a compounding effect have begun known to everyone. However, fixed investment fund also has several aspects need to attract attention, such as to choose the right fund products, grasp the opportunity and so profitable. Here you explain the principles of the system at fixed through compliance with these eight basic principles to better use in this way, "NCTU": 1, _set_ting financial goals. Charge 3,000 yuan a month can be timed or 5,000 yuan, a small number of high net worth when buying shares, the net number of shares when buying low and more time this approach can be dispersed. This "average cost" best suited to raise the retirement funds or their children's education fund. 2, within our capabilities. Fixed investment must be done easily, did not burden the customer had decided to diversify investment targets chargeback 50,000 yuan a month, but after some time they have to continue to invest in fixed deposits taken out, so too does not pay. Suggest that you'd better analyze their monthly balance of payments, calculated idle funds saved can be fixed, 3,000 yuan, 5,000 yuan can be. 3, _select_ the upward trend in the market. But the fundamentals of good market oversold best suited to start to invest regularly, even if the market is low, as long as optimistic about the future long-term development, we can consider starting investment. 4, decided to invest in the investment period objects. Regular fixed time compounding effect of long-term investments in the stock market long and short scattered, short-term risk NAV downs, just to comply with the principles of long-term debit, choose a larger fund volatility actually can enhance revenue, and a higher risk of long-term funds rate of return should be better than low-risk fund. If longer-term financial goals is more than 5 years to 10 years, 20 years, why not choose the volatile funds, and if it is the target of five years, or choose a more stable performance of the fund is appropriate. 5, perseverance. Long-term accumulation of wealth at fixed investment is the most important principle, it is best to continue this way for more than 3 years to get good results, and long-term investments can bring regular fixed compounding effect. 6, master termination time. Deadline fixed investment should be determined by market conditions, such as has invested two years, the market rose to a very high point, and after analyzing the market is likely to enter another short cycle, it is best to know in advance the termination profit. If you are going to face capital needs, such as approaching retirement age, even to begin to pay attention to market conditions, decided to surrender point. 7, the use of part of the termination, timely conversion fund. After the start of regular fixed investment, redemption or termination if the temporary market to be in a high position, but his outlook on the situation is not quite sure, do not completely surrender, partial shares redeemable for funding. If the market trends change, can be converted to another round of upward trend in the market, continue to invest regularly. 8, to trust the experts. At the start of regular fixed investment should be too concerned about short-term ups and downs, and the share of the cumulative number of conditions, consult experts when necessary can.
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How to choose funds
• You can examine the cumulative net growth fund • You can examine the ratio of fund dividends · The income of the Fund may be compared with the market trend · Can compare the same type of fund income and other funds Regular fixed investment fund majority of investors are now gradually being accepted, it is through banks and other institutions designated sales charge at the agreed date for the fund to investors automatic debit purchase, for ordinary people is a good long-term investment financial choices. With the rapid development of the fund industry in recent years, the fund available for investors to choose more and more on the market, there are currently just over 100 open-end funds only. How to choose funds for their investments in numerous fund it? In general, can be investigated from the following aspects: First, you can examine the cumulative net growth fund. Fund total net growth rate = (share of total net worth - the unit nominal value) ÷ units each. For example, the current share of the total net value of a fund of 1.18 million units of $ 1.00 each, the total net growth of the fund is 18%. Second, you can visit the fund dividend ratio. Fund Fund dividend payout ratio = ÷ nominal value of the cumulative amount of funds. Shenzhen 100 Index Fund in financing to finance the Fund Management Co., Ltd. as an example, since its inception in September 2003, a total of seven times bonus, profit sharing ratio of 16%. Because of fund dividends on the premise that there must be some profit, even to achieve sustainable dividends dividends, the fund reflects the ideal working condition to some extent. Third, the income of the Fund may be compared with the market trend. If a fund's performance most of the time than the market index over the same period is good, it can be said the fund's management is more effective, choose this fund fixed investment, risk and return are an ideal match to reach the state . Fourth, we can compare the same type of income of the Fund and other funds. Generally, the different risks, different types of funds should be treated differently, the performance of different categories of funds is not directly comparable significance. Finally, investors can also use some professional company evaluation, management ability of fund managers have a better metric.
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Which is scheduled to vote the way
Fund will vote in two ways: by signing agreements scheduled to vote will vote, independent manual operation. Both methods have their advantages and disadvantages: Fixed investment agreements: the agreement can be signed, charged by the sales organization to facilitate the peace of mind, simple operation, low fixed investment starting point, usually 100 yuan, 200 yuan and so on. Drawback is the lack of flexibility, fixed and regular, only a few of the sales organization of the opening of variable change. Signed an agreement with three channels: one to the bank counter, the second is through online banking, the third is handled directly to the fund company home page, which is often a third way to enjoy the biggest discount fee, and handling is not complicated, directly to the fund company homepage after online only need to open the specified Internet Banking, recommended. Manual operation: flexibility, can decide on the share of investment times and time to grasp market opportunities, market risk control, defect is the need to bother yourself, keep in mind the regular operation, the effectiveness of operations by investors and their ability to influence, in addition, if OTC purchase a higher starting point each time, usually 1,000 yuan. Suitable for investment have some knowledge and experience, plenty of time for the Christian Democrats.
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How charged at fixed
If you are using regular fixed investment, then the relevant consignment agency will charge a fixed monthly day when investors apply in accordance with the agreed, debit debit amount, in case of non-fund trading day will be postponed to the next trading day fund. Note that the investor must specify a capital account as a fixed monthly debit account, and this account is the account of the fund designated funds transactions. If the debit day due to lack of funds in the investor's account balance will result in the month debit unsuccessful, so investors need a monthly debit in the account as agreed recently saved enough money. Most of the lazy not bother to look at the stock market, or even bother to analyze the fundamentals of the stock. Easy way to find these people if you want to invest, then the fund be a good choice, which is particularly worth the recommended approach is to buy funds at fixed.
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How to operate at fixed
Fool investment transactions at fixed appointment automatic operation Buy funds at fixed Typically there are two ways to buy funds, in addition to ordinary single bid, there is quite a way for lazy people, is regularly fixed. This approach is widely popular in foreign countries, investors can go to the bank, or through online banking, the specific amount of the investment agreement subscribed fund every month. As long as the customer and the bank signed an agreement on a fixed day of each month, the bank will automatically deduct funds from the agreement stipulated the account designated to fund accounts, and easy operation. Currently, almost all fund companies have _set_ up this business, starting a monthly investment amount is generally around $ 300, the threshold is very low. Conduct regular fixed services are usually two ways, one is to go to the bank counter, the Fund signed purchase agreement also requires regular fixed, agreements to buy funds from the account card for one day in a month. Specifically day, requires that each bank is different, such as China Merchants Bank is charged on the 8th of each month. Another way is through online banking Yinzhengtong or silver based on, open procedure is very simple, as long as the _select_ion of funds, and fill in the monthly subscription amount on it. The benefits of online banking is that you can always change the monthly subscription amount. Under normal circumstances, if the account balance is less than two consecutive months, regular fixed automatically stopped. For those who prefer to buy various fund companies fund investors, it is recommended that the Industrial and Commercial Bank of China and China Merchants Bank online banking, online banking investors can directly open a fund account services, simplify many procedures. The method is equally simple, investors need only to have the bank account and a one-time online banking functions, you can easily invest in hedge funds through the network, and _set_ at fixed function. Regular fixed skill. Monthly fixed investment funds, not only make long-term investments simplistic, more importantly, this method can greatly reduce the risks of investing mistakes, almost no technical content, suitable for most lazy. The principle is very simple, if you buy a $ 1000 monthly fixed fund, then when the market showed a rising trend, the higher NAV, the number of units available at this time is relatively small; And when the market was down trend net fund is relatively low, the number of Units then buy more. Thus, the total investment is actually low by a large number of units and the number of units consisting of a small number of high-priced, making the unit value of each unit is less than the average net single investment, effectively reduce the risk of loss. Investors need to be reminded that not each fund products are suitable for fixed investment, and only choose the more appropriate investment targets, in order to bring satisfactory returns for investors, while reducing risk. Judging from the types of funds, fixed investment is still the most appropriate funds or equity funds allocation fund. If from a profit point of view, in partial stock funds, often large fluctuations in fund performance but better reflect the regular fixed advantage. Regular fixed time compounding effect, are often able to disperse the stock market long and short, short-term risk NAV downs, as long as investors stick to the principle of long-term debit, choose a larger fund volatility can enhance profitability, and higher risk funds The long-term rate of return should be better than low-risk fund. Therefore, if there is a longer-term financial goals, such as three to five years or more, why not choose the volatile funds, and if the target within five years, then choose a more stable fund performance is appropriate. In addition, the choice of when to be secured, is a skill. Guotai Junan Allianz Fund through research and analysis, in particular, proposed a "smile fixed investment law," they believe that if the stock market decline began in the regular fixed investment fund, to be redeemed when the stock market rose to "profit meet point", then the profit The results will not only better than the performance of the Index, and income than investment funds in the stock market began to get up even higher. "Smile" mean, if you buy a monthly investment selling point with the last point to link up with the curve, you will find the shape of the curve as people smile. Appointment automatically purchase and redemption transactions The extent and quality of service from the convenience of trading point of view, especially recommended is the Hua An Fund's electronic trading platform. On the reporter know, the company is so far the fund companies, electronic direct marketing platform the most powerful. Through the fund company's direct sales "silver base on" Investors can enjoy preferential rates as low as 4 fold, and the conversion rates between the fund offers, but also to enjoy its powerful trading functionality appointment. Formalities and Yinzhengtong basically the same, due to the Hua silver base through direct sales and Minsheng Bank linked, so investors need to apply for livelihood or Societe Generale bank accounts, while silver base through the opening function. Followed by Hua An Fund's official website click electronic trading, according to the prompts to install the security check parts. According to Hua Anji Recipients introduction, the platform most special place that does not require investors to enter the capital account or the account password, security is high. "Scheduled transaction function" is the entire trading platform is a major bright spot. Investors can make an appointment at any date, or any one unit of the net, the Shanghai Composite Index, SSE 180, Shenzhengchengzhi points Hua purchase or redemption of any of its open-end fund (ETF except outside), eliminating the need to determine the correct but missed opportunity regret. For example, in the market to determine the future rise, investors can make an appointment at the Shanghai index to reach 1350, when a fund redemption. Reservation instruction usually issued valid for one month. And particular attention is that when the underlying index as an appointment, referring to the closing price. If the closing price is higher than the _set_ point of 1350, the system will then automatically redeem the fund. For Hua Chinese A-share index funds, investors can also use the transaction to buy low and sell high appointment. For example, the Shanghai index is _set_ at 1200 points or less to buy, sell more than 1280 points, the system will automatically purchase and redemption for investors, but it is worth mentioning that the Fund's redemption rate is 0. In addition, regular fixed features of the trading platform is very powerful, not only can buy funds at fixed, regular fixed redemption fund can also be converted funds. As a simple example, such as your monthly paychecks on the 5th, the 6th month you can _set_ all the income to buy money market funds, if the monthly housing loan repayments to the 20th day, then you can _set_ On this day at fixed redemption of part of the IMF, so that you can earn interest on the 14-day time difference arising from money market funds. Of course, investors can also _set_ a monthly periodic rate to convert part of the money market funds into equity funds, as long-term investments. In addition to the online operation, Hua electronic direct customers can also 7 * 24 hours by telephone, online subscription and redemption Hua's all open-end funds, transactions anytime, anywhere.
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Eight Mistakes fund investment
Business fixed investment funds increasingly favored by investors, this investment will not only mean cost, risk diversification, and investment in a manner similar to "installment" savings, just go to the bank or securities business department signed an agreement can be achieved Automatic investment, enjoying income, so the fund is scheduled to vote is also known as "lazy investment technique." However, fixed investment, after all, is a new business, there are many errors on the understanding of many investors. Misunderstanding one: any funds are suitable for fixed investment Although the average cost of fixed investment can control the risk, but not all funds are suitable. Bond fund returns are generally more stable, fixed investment and the effect of one-time investment gap is not too big, and volatile equity funds, fixed investment is more suitable to balance cost and risk. Myth two: fixed investment only long-term investment Although fixed investment fund to facilitate the control of risk, but the market outlook is not optimistic about the case, whether it is a one-time investment or fixed investment should be cautious, has handled the fund investment plan should be considered to avoid the risk of problems. As originally planned to invest five years, two years after the debit market prospects if they feel bad, could be considered the first profit-taking, do not blindly wait plan expires. Misunderstanding number three: debit Day can be any day Although scheduled to vote using a fixed monthly debit date, but because there is only 28 days in February, so as to ensure the full year at a fixed time debit, debit date is only 1-28 days per month; addition, in case of debit Day holidays will be automatically extended, such as debit date agreed on July 8, but if time is Sunday May 8, the date is automatically extended to debit the 9th. Myth four: only monthly fixed investment Under normal circumstances, the investment is scheduled to vote only on a monthly basis, but there are fund provisions, will vote to monthly, bimonthly or quarterly investments. Now most of the units are generally paid a fixed monthly salary and divided into quarterly bonus. Kisaragi wages barely enough for everyday use, quarterly bonus can invest for quarterly investment. More comfortable if the monthly salary, or young people want to save money you can force yourself to monthly investments. Myth five: memory leak after mistakenly kept fixed investment agreement lapsed Investors sometimes forget in advance because deposits, and reduce the amount of delay in the payment of wages and other factors, resulting in fund investment can not be properly charged, then some investors believe it is their own breach of contract, is scheduled to vote on the failure. In fact, some fund companies and banks provisions, such as insufficient funds account balance date of the investor's legal trading hours, the banking system will automatically charge the next day to continue until the end of the day according to the actual NAV of fund shares debit confirmation. Therefore, the month debit unsuccessful does not matter, as long as the memory of money in your account as soon as possible (within three months) can continue to participate in fixed investment. Myth Six: fixed investment amount can change After a rule, after the signing of fixed investment agreement, the agreed investment period fixed investment amount can not be modified directly, If you want to change only the first to Agent locations for "Undo regular fixed purchase" procedures, and then re-signed a "regular fixed subscription application" before changes. Seven Mistakes: Fund redeemed only once cleared Foreclosure Many investors think that redemption can only be held by the redemption of all fixed investment funds, investment funds can actually be redeemed all at once, can also choose partial redemption or partial conversion. If the demand is less than the amount of money given the amount of investment, the number of foreclosure how much is available, other shares may continue to hold. Myth Eight: The Redemption of fixed investment agreement automatically terminated Some people think that the fixed investment fund redemption, is scheduled to vote on the automatic termination, in fact, even if all fund redemption, but prior to the signing of the investment contract is still valid, as long as there is enough money and meet other conditions within your bank debit card, then the bank will be charged periodically. Therefore, customers who want to cancel the fixed investment plan, in addition to the redemption fund, but also to sales outlets fill out the "termination at fixed subscription application", for the termination of fixed investment procedures; may also be charged for three consecutive months does not meet the requirements, in order to achieve Business fixed investment is automatically terminated.
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Fund will vote Collection
(A) low-income youth the best financial way: buy funds at fixed Young men just work income is not high, relying on monthly savings of eight hundred thousand children, and also can not buy a car to achieve the dream, not as happy to spend time now point. And professional financial management say that, although much savings each month, if you choose the right investment vehicles and investment, not only to cultivate their own financial habits, but also can accumulate a small fortune. At fixed buy the fund is a good choice. The so-called regular fixed buy funds, the investors agreed chargeback amount of time and monthly deductions from sales organizations (including banks and brokers) agreed date specified in the monthly funds from investors to automatically debit the account and fund the purchase application a long-term investment. This fund investment, benefits, first of all, young people do not have time to finance, and "regular fixed" buy fund similar to "installment", just go to a bank or a securities business department handle it. Secondly, many young people know little about the stock market, and the use of funds can be invested at fixed average cost of risk diversification. Finally, many young people because the project needs to spend more, much monthly savings is not stable, and now plans regular fixed threshold is very low, the starting point is generally 100 -300 yuan, a monthly deduction, you can also press bimonthly or quarterly deduction, give them almost no extra pressure, but also add up to make a little money to change a lot of money to meet the future demand for large funds. And can develop good financial habits. Case Because fixed investment is at a fixed time interval of a fixed amount of investment funds. Generally do not care about the time of entering. For example, if $ 100 invested every month a certain open-end funds, a total investment of six years down the total amount of $ 600 each time the investment fund's purchase price was 1 yuan, 0.95 yuan, 0.90 yuan, the number of fund shares 0.92 yuan, 1.05 yuan and 1.1 yuan, it can be purchased separately for each 100 parts, 105.3 parts, 111.1 parts, 108.7 parts, 95.2, and 90.9 parts of copies (not considering subscription fees), the cumulative share the number of copies to 611.2, the average cost of 600 ÷ 611.2 = 0.982 yuan, compared with ROI (1.1 × 611.2-600) ÷ 600 × 100% = 12.05%. If that is the beginning of the subscription price of $ 1 invested 600 yuan, while net funds reached 1.1 yuan, the investment rate of return is only 10%. Of course, if you are in the net when the fund was 0.90 yuan one-time investment, when the NAV reaches 1.1 yuan, the rate of return of 22.2% there, the question is to catch this low is not an easy task. Investment Tips At fixed buy the fund not only for young people, but also for other age groups have continued to lower-income investors, but this investment must be relatively easy to see that for some time before results, it is best to continue to invest more than three years. One in Taiwan weighted stock index simulations statistics show that as long as the regular fixed investment over 10 years, the probability of a loss of close to zero. And in this way, "a monthly debit buy fund" than his own investment fund to buy stocks or a lump sum of investment, but also allow young people to spend money like water unknowingly able to save a fixed monthly funds. After three to five years so that you find yourself still has a small fortune in savings. How to apply for a regular fixed Recently, Boshi, GF Fund, Fortune SGAM Fund, E Fund, Xiangcai ABN AMRO Fund and other major fund companies have launched a "regular fixed" investment scheme, investors are just bring proof of identity to the bank each fund distribution or securities business department can handle. (B) the fund fixed investment that you use the right thing For customers of investment funds, the regular fixed this investment we should not be unfamiliar. Refers to regular fixed monthly amount from the bank _set_ aside a fixed deposit account, usually as long as 500 yuan, you can kind of financial management of investment funds. Regular fixed not only allows you to become a long-term investment simplification will reduce the time and effort you spend in the financial planning above. However, not each Fund are suitable for fixed investment, and only choose the right investment targets, in order to bring you good returns. In this regard, here we offer a few suggestions to help you in choosing fixed investment fund can also be used on the same place, with the product, high efficiency play regular fixed investment advantage. First, choose the best fixed investment equity funds or allocation funds. Bond funds and other fixed income instruments relatively less suitable for regular fixed way to invest, because the purpose of the fund is to invest in such flexible use of funds and earn a fixed income. The best choice for investment in these funds when the market is in an upward trend. When the market lows, the most suitable start to invest regularly, as long as the long-term bullish outlook in the short-term bearishness in the market is the most worthy start to invest regularly. Secondly, the choice of volatile or relatively stable performance of the Fund may be considered as follows: volatile funds have more opportunities to accumulate more cost-share net decline stage, the market rebounded quickly be profitable. The smooth small fluctuations in the performance of the fund is not vulnerable to foreclosure problems in low, but relative to the average cost will not drop too much profit is relatively limited. In fact, regular fixed time compounding effect of long-term investments in the stock market long and short scattered, short-term risk NAV downs, as long as the stick to the principle of long-term debit, choose a larger fund volatility can enhance profitability, and higher risk funds The long-term rate of return should be better than low-risk fund. Therefore, if there is a longer-term financial goals, such as more than five to ten years, twenty years, the fund may choose volatile, and if the target within five years, or choose a more stable performance of the fund is appropriate. Third, we must utilize a variety of flexible investment strategy for the improvement of the efficiency of investment at fixed. You can mix long and short-term financial goals choose different characteristics fund to invest in mutual funds regularly fixed way of financing. Scholarship to raise their children, for example, if the amount of fixed financial targets, while the short-term funds needed if needed, then it must increase the monthly amount of investment, while reducing investment risk, it is appropriate to sound investment funds; But if the investment lengthen the period, monthly investment can reduce the amount of investment required, the appropriate investment can withstand increased risk, moderate proportion of the aggressive allocation of investment funds and robust, so that the amount of investment to get greater benefits. Finally, the flexibility to adjust the amount of investment in accordance with the financial capability. With longer hours of employment, incomes, the monthly total amount invested personal or family increases. Thus, in a timely manner to improve the amount of the monthly deduction is a shortened period of investment and improve investment efficiency way. In particular, the trend of the original investment in the fund is correct, good rate of return, and the extent of the original portfolio risk diversification have enough time, you do not need a separate subscription from other funds reallocated in accordance with the original investment amount of investment proportion, may soon achieve their investment objectives. (C) fixed investment banking early start to the financial crisis, say the white-collar Experience from the international market, the fund long-term profitability and stable, low risk, easy to purchase, is suitable for white-collar family of financial instruments, and the regular fixed collar is the most suitable way to invest. Refers to regular fixed monthly fixed amount _set_ aside (usually as long as 500 yuan) a financial way, you can invest in funds from bank deposit accounts. Whether it is three or five years after the down payment to buy a house, children, two years after the study abroad education payments, or three years after their retirement pensions and other needs, if early use regular fixed investment planning, not only does not cause suddenly tense economic, but also allow a little money each month in the future become a lot of money to achieve their dreams at the desired point in time. There are regular fixed two advantages: First, do not bother to _select_ market timing, reaching up automatically when you buy less or buy more, the average cost is reduced. Empirical studies overseas show every time the highest point in the market to buy, and buy at the lowest point each time, over time, both the rate of return was less than 10%! Second, there is the magic of compounding time, perseverance compound interest will have an unexpected effect, Einstein called compound interest has the world's eighth wonder. Which funds best suited to regular fixed it? The main objective is to achieve long-term fixed periodic financial goals, therefore, can be maintained in the long-term stable returns the most suitable fixed investment fund, to help achieve a smooth white-collar buyers, children's education funds and other financial goals. In other words, the choice of fixed investment funds, funds, long-term robustness of the results will be much more important than whether the outstanding short-term performance. From this point of view, with the stock market long and short stock and timely changes to adjust the proportion of bond balanced funds should be an excellent tool. Fixed investment process, the following suggestions for reference: An early start. The longer the investment period, the compounding effect is more obvious, the more accumulation of wealth, and therefore the end of the live paycheck to paycheck as soon as possible to begin regular fixed plan, you can sooner realize their dreams. Second, adhere to long-term investment. The average cost of regular fixed using the concept of reducing investment risk, but also need long-term investments accordingly, in order to overcome the risk of market fluctuations and profit when the market rebounded. Third, the low stop deductions to be careful. Net funds have low volatility, it is also often the most pessimistic when the lowest point, since the lows can buy more fund shares, the stock market rebounded until you can enjoy a more lucrative returns. (D) the cumulative payments at fixed children's education investment fund operating strategy We mentioned in the previous financial article, education for their children reserves of gold in addition to an early start, but the specifics of how this accumulated a significant number of funds, is also a problem. You can use the fund's regular fixed plans, and grasp the following principles that will help you effectively reach your goals. One, with a long and short-term financial goals, choose different characteristics of the Fund Based on individual or family short, medium and long-term financial goals decided to invest in different tools and methods, is the most basic investment principles. However, if you decide to invest in mutual funds at fixed way of financing, then we must pay attention to the level of risk and fund property investments. To raise 500,000 yuan Children Scholarship, for example, if the amount of fixed financial targets, and short-term funds required if necessary, then we must raise the monthly amount of investment, but reduces the investment risk to a healthy fund investment is appropriate; But if extend the investment period, the investor required monthly investment amount can be reduced, but the investment will be exposed to increased risk, moderate proportion of positive-type distribution and robust investment funds, so that the amount of investment to get greater benefits. Second, based on the financial capacity of the flexibility to adjust the amount of investment With longer hours of employment, incomes, household monthly total amount of investment has also increased. Thus, in a timely manner to improve the amount of the monthly deduction is a shortened period of investment and improve investment efficiency way. In particular, the trend in the fund originally invested correctly, a good rate of return, and the extent of the original portfolio risk diversification have enough time, you do not need a separate subscription from other funds reallocated in accordance with the original investment amount of investment proportion to as soon as possible to achieve the investment objective. Third, the total investment in fixed amounts, allocated according to the proportion of investment in key markets If it does not adjust the monthly total investment amount of short-term, but the longer the investment period, the investor should regularly review the suitability of the investment portfolio allocated according to the proportion of different investment focus on potential markets. For example, in a period of rising interest rates in the long-term bond portfolio being away, and pay more attention to money market funds. Fourth, timely partial redemption or conversion, utilization of funds is not restricted Many investors mistakenly think that when you want to apply for redemption of fixed investment, only the number of units held by all the redeemed of all _set_tled. In fact, fixed investment as single investment, you can do partial redemption of the action, or part of the conversion. Many investors because the moment needed funds for other purposes, so we take action partial redemption fund, but still continued regular fixed agreement, the monthly charge is still sustainable. But if it is forced to shorten the period of the investment, or raise the necessary funds, then you must adjust the investment content, investors can convert existing funds to fund some of the units comply with the new financial goals while continuing to invest at fixed . (E) the Fund will vote quasi-step beats Fund will vote the "lazy banking," said the Wall Street due to the spread of the value of the sentence: "To accurately Capitol market in the market than in the air to catch a falling knife is harder." In operation, the choice is very particular when buying the fund, the fund is scheduled to vote should not be completely overlooked point in time to enter the market. Wu Xue Zheng CCB Financial experts in the study of history after the data, investors put forward three proposals: First, the fund investment is not suitable for all market conditions. Rally, the fund investment in higher-yielding, equity funds should be _select_ed; decline in the market, most of the Fund will vote loss; in the consolidation market, the fund investment should also be cautious. Second, the Fund will vote floating range is less than comprehensive index. Rally, the fund investment income is more difficult than the KLCI rose; down market, the loss rate is less than the KLCI; in the consolidation market, the fund investment and the KLCI as rise and losses are likely. Third, the fund is scheduled to vote on the fund _select_ion is very important. Good fund performance than the result of poor fund gives investors a big difference. The _select_ion of the fund's outstanding star fund, based on "maintaining the status quo" investment "golden rule." How to step quasi-fund investment stocks beat? According to Wu Xue Zheng analysis, the rise and consolidation of the market, choose early investment yields, higher than the middle and end; in the down market, the end of the investment, smaller than the early and mid-investment losses. Statistics found that early in January 2006 to the end of June 2006, is scheduled to vote on the choice early JP Morgan China Advantage Fund's investment income was 42.2%, _select_ the middle and end were 40.04%, 36.25%. Chinese growth, Bo value growth, the rich Tianli Bond, Po Hong bonds funds, there were early high-yield fixed investment phenomenon. Early December 2004 to the end of May 2005 the down market, will vote to _select_ the beginning of the JP Morgan China Advantage Fund's investment return was -8.83%, _select_ the middle and end were -5.80%, -0.76%. Chinese growth performance, Bo value growth of such funds are the same. For investment through a fund has been _set_, an additional investment of time customers _select_ the month, step quasi beats very useful. As to the date fixed monthly charge customers, Wu Xue Zheng suggested that the Fund will vote to _select_ the best early. Rising period and the consolidation period, choose early investment earnings significantly; in down market, although small end investment losses, but also at a loss. Intending to up to 10 years, 20-year investment, you can pull a low-cost, balance income, investments and the beginning of the end of the investment difference is negligible.
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Basic concept
The so-called fixed investment is to invest regularly referred to, is the way installment in a fixed time (such as monthly 8) to a fixed amount (eg 1 million) investment to the designated open-end fund, similar to the bank . There are lazy wealth fund investment is known, the value of Wall Street due to the spread of the sentence: "To accurately Capitol intervention in the market, more than a knife in the air and catch it harder." If taken in batches buying method, on _Select_ only one point to overcome the conduct buying and selling defective, can balance costs and make themselves invincible in the investment, which is scheduled to vote method. General process in general, the Fund's investment in two ways, and regular fixed single investment. The so-called fund "fixed fixed investment" refers to the investor at a fixed monthly time (such as 10 days per month) to a fixed amount (such as 1000 yuan) investment to the designated open-end fund, similar to the bank's installment way. Since the fund "fixed scheduled to vote" low starting point, a simple way, so it is also called "small investment plans" or "lazy banking." "Relative to vote, one-time investment income may be high, but the risk is too great." From the previous year to begin scheduled to vote Liu told reporters, "Now I invested 1,000 yuan a month, leaving three-year-old daughter to do the education fund, so I pay more attention to sound and worry, do not worry about the money into the herd. "Due to circumvent the effects of investors' market timing subjective judgment, fixed investment and equity investment or sell chase high single investment fund compared to the risk of significant reduced. Fund fixed investment have similar long-term savings can add up, flat investment costs, reduce overall risk. It has an automatic bargain overweight, rallies function less code, regardless of changes in market prices always get a relatively low average costs, fixed investment funds can smooth out the peaks and valleys of the net to eliminate market volatility. Just choose the fund has the overall growth, investors will get a relatively average earnings, no longer have to enter the market timing issues and frustration.
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Operation Guide
Investment Fund will vote in two ways: by signing agreements scheduled to vote will vote, independent manual operation. Both methods have their advantages and disadvantages: Fixed investment agreements: the agreement can be signed, charged by the sales organization to facilitate the peace of mind, simple operation, low fixed investment starting point, usually 100 yuan, 200 yuan and so on. Drawback is the lack of flexibility, fixed and regular, only a few of the sales organization of the opening of variable change. Signed an agreement with three channels: one to the bank counter, the second is through online banking, the third is handled directly to the fund company home page, which is often a third way to enjoy the biggest discount fee, and handling is not complicated, directly to the fund company homepage after online only need to open the specified Internet Banking, recommended. Manual operation: flexibility, can decide on the share of investment times and time to grasp market opportunities, market risk control, defect is the need to bother yourself, keep in mind the regular operation, the effectiveness of operations by investors and their ability to influence, in addition, if OTC purchase a higher starting point each time, usually 1,000 yuan. Suitable for investment have some knowledge and experience, plenty of time for the Christian Democrats. Open Fool investment transactions at fixed appointment automatic operation Buy funds at fixed Typically there are two ways to buy funds, in addition to ordinary single bid, there is quite a way for lazy people, is regularly fixed. This approach is widely popular in foreign countries, investors can go to the bank, or through online banking, the specific amount of the investment agreement subscribed fund every month. As long as the customer and the bank signed an agreement on a fixed day of each month, the bank will automatically deduct funds from the agreement stipulated the account designated to fund accounts, and easy operation. Currently, almost all fund companies have _set_ up this business, starting a monthly investment amount is generally around $ 300, the threshold is very low. Conduct regular fixed services are usually two ways, one is to go to the bank counter, the Fund signed purchase agreement also requires regular fixed, agreements to buy funds from the account card for one day in a month. Specifically day, requires that each bank is different, such as China Merchants Bank is charged on the 8th of each month. Another way is through online banking Yinzhengtong or silver based on, open procedure is very simple, as long as the _select_ion of funds, and fill in the monthly subscription amount on it. The benefits of online banking is that you can always change the monthly subscription amount. Under normal circumstances, if the account balance is less than two consecutive months, regular fixed automatically stopped. For those who prefer to buy various fund companies fund investors, it is recommended that the Industrial and Commercial Bank of China and China Merchants Bank online banking, online banking investors can directly open a fund account services, simplify many procedures. The method is equally simple, investors need only to have the bank account and a one-time online banking functions, you can easily invest in hedge funds through the network, and _set_ at fixed function. Regular fixed skill. Monthly fixed investment funds, not only make long-term investments simplistic, more importantly, this method can greatly reduce the risks of investing mistakes, almost no technical content, suitable for most lazy. The principle is very simple, if you buy a $ 1000 monthly fixed fund, then when the market showed a rising trend, the higher NAV, the number of units available at this time is relatively small; And when the market was down trend net fund is relatively low, the number of Units then buy more. Thus, the total investment is actually low by a large number of units and the number of units consisting of a small number of high-priced, making the unit value of each unit is less than the average net single investment, effectively reduce the risk of loss. Investors need to be reminded that not each fund products are suitable for fixed investment, and only choose the more appropriate investment targets, in order to bring satisfactory returns for investors, while reducing risk. Judging from the types of funds, fixed investment is still the most appropriate funds or equity funds allocation fund. If from a profit point of view, in partial stock funds, often large fluctuations in fund performance but better reflect the regular fixed advantage. Regular fixed time compounding effect, are often able to disperse the stock market long and short, short-term risk NAV downs, as long as investors stick to the principle of long-term debit, choose a larger fund volatility can enhance profitability, and higher risk funds The long-term rate of return should be better than low-risk fund. Therefore, if there is a longer-term financial goals, such as three to five years or more, why not choose the volatile funds, and if the target within five years, then choose a more stable fund performance is appropriate. In addition, the choice of when to be secured, is a skill. Guotai Junan Allianz Fund through research and analysis, in particular, proposed a "smile fixed investment law," they believe that if the stock market decline began in the regular fixed investment fund, to be redeemed when the stock market rose to "profit meet point", then the profit The results will not only better than the performance of the Index, and income than investment funds in the stock market began to get up even higher. "Smile" mean, if you buy a monthly investment selling point with the last point to link up with the curve, you will find the shape of the curve as people smile. Debit If you are using regular fixed investment, then the relevant consignment agency will charge a fixed monthly day when investors apply in accordance with the agreed, debit debit amount, in case of non-fund trading day will be postponed to the next trading day fund. Note that the investor must specify a capital account as a fixed monthly debit account, and this account is the account of the fund designated funds transactions. If the debit day due to lack of funds in the investor's account balance will result in the month debit unsuccessful, so investors need a monthly debit in the account as agreed recently saved enough money. Most of the lazy not bother to look at the stock market, or even bother to analyze the fundamentals of the stock. Easy way to find these people if you want to invest, then the fund be a good choice, which is particularly worth the recommended approach is to buy funds at fixed.