Fund selection platform:

There are two common channels for fund investment, including direct sales channels and consignment channels. The direct selling channel is the fund company that issues this fund. The disadvantage of direct selling channel is that the rate may be relatively less favorable, so you can only choose your own fund products.

Consignment channels can be subdivided into three categories: banks, securities companies and Internet platforms. Among the three consignment channels, the Internet platform channel has the richest products and the most favorable handling fee.

Selection period:

Daily, weekly and monthly fixed investment. For the same fund, the income gap between daily fixed investment, weekly fixed investment or monthly fixed investment is actually very small, and the annualized income gap is only a few ten thousandths. Calculated by two funds, the monthly fixed investment income is slightly higher.

How much:

The amount of monthly fixed investment can be determined in three ways. First, according to the long-term investment goal, according to the goal we set, roughly calculate how much money we need to invest every month to achieve the goal. If you buy a car in five years, you need 300 thousand. If calculated according to the annual interest rate of Nianhua 10%, how much capital do we need to invest every month in these five years to ensure that the final total capital will reach 300,000 yuan? Push it down with the compound interest formula, and the calculated result is a fixed investment of 3723 per month.

Second, make a fixed investment with spare money, and the monthly fixed investment amount = (income-expenditure) /2, or = income * 10%. Third, use the reserve fund to make a fixed investment, that is, use deposits.

How long is the appropriate time for fixed investment:

Generally speaking, we need to prepare for investment for three to five years. The specific investment time needs to consider two points. On the one hand, we should consider and plan according to our own abilities and goals. On the other hand, we should pay attention to take profit and retreat according to market changes.

Good attitude:

The fixed investment of the fund focuses on long-term investment, and it is very important to grasp your own mentality. The fund's fixed investment is known as lazy financial management, and its value stems from a saying circulating on Wall Street: "It is more difficult to step into the market accurately than to catch a flying knife in the air." If you adopt the method of buying in batches, you will overcome the defects of buying and selling at one time, balance the cost and make yourself invincible in investment.