Investment strategy of fixed investment fund

Practice has proved that not every fund is suitable for fixed investment on a regular basis. Only by choosing the right investment target can it bring ideal returns to investors.

(1) Fixed investment is best to choose stock funds or allocation funds

Bond funds and other fixed income instruments are relatively not suitable for fixed-term investment, because the purpose of investing in such funds is to flexibly use funds and earn fixed income. The best time to invest in these funds is when the market is on the rise. When the market is at a low point, it is most suitable to start regular fixed investment. As long as we are optimistic about the long-term prospects, short-term short market is most worthy of regular fixed investment.

(2) It is better to choose the fund with big fluctuation for fixed investment

Generally speaking, funds with greater volatility have more opportunities to accumulate more low-cost shares in the period of net value decline, and they can make profits quickly when the market rebounds. The stable performance of the fund volatility is small, not easy to encounter the problem of redemption in the low, but the relative average cost will not fall too much, profit is relatively limited.

(3) Adjust investment amount according to financial ability

With the increase of employment time and income, the total amount of individual or family investment per month also increases. Timely increase of monthly deduction amount is also a way to shorten investment period and improve investment efficiency.

(4) After reaching the preset goal, we need to reconsider the content of the portfolio

Although it takes a long time for fixed investment to show the best benefits, if the investment return has been achieved within the preset investment period, it is advisable to check whether the content of the portfolio needs to be adjusted. Using simple and flexible strategies can make investment more efficient and achieve financial goals as soon as possible.

(5) We should use various flexible investment strategies to improve the efficiency of regular and fixed investment

Investors can choose funds with different characteristics by matching long-term and short-term financial objectives, and raise funds by investing in mutual funds on a regular and fixed basis. For example, if the financial target amount is fixed and the required funds are needed in the short term, then we must increase the monthly investment amount and reduce the investment risk, which is suitable for the investment of robust funds; but if the investment period is prolonged, the monthly investment amount required by investors can be reduced, and the corresponding investment risk can be increased. The investment proportion of positive and stable funds should be appropriately distributed to make the investment amount get more income.