There are many types of funds, including equity funds, bond funds and money funds. These classification methods can be classified according to the direction of the fund's investment, and the direction of the fund's investment is different, which also creates a different risk level of the fund, such as investing in stocks, then the risk level must be higher, the so-called high risk, high return; The risk level of investing in bonds and investing in currencies is low, especially the monetary fund, which has almost no fluctuations, the annualized rate is about two points, and bond funds also fluctuate, and even lose money, but the volatility is far less than that of equity funds. So what type of fund should we choose for fixed investment when we choose fixed investment?
There is no doubt that the fixed investment fund we choose is definitely a volatile fund for fixed investment, if he is the same net worth all year round or steadily rising, it is meaningless. In this case, it is an equity fund. But stock funds, there are many kinds of it, for example, he has an industry fund called for a certain industry, such as consumption, military, medical, semiconductor, various industry funds, there are also some large integration, for example, I buy some high-quality stocks in various funds or high-quality stocks selected by fund managers for investment, this depends on his investment direction, there are also so-called index funds that follow the index, such as CSI 300, Hang Seng Index Fund and so on. So, which one to choose from so many?
There is no doubt that if a fund is a cyclical fluctuation, then it is very good to make a fixed investment, especially if we can see whether the position of his fund is high or low, we make a fixed investment, which is undoubtedly very good. For an industry fund, such as liquor medical treatment, etc., you really can't see when it is high? When is it low? Then, in this case, your fixed investment is a bit of a risky component, of course, you can also make a fixed investment. But if you see an index fund, such as the CSI 300, this index fund is around 3,000 points in the Shanghai Composite Index, is it low? That must be a low level, then everyone can see that the Shanghai Composite Index will definitely go up to 3500 points, then in this case, as long as you are at ease to invest, he will go up one day, and when he goes up, you will sell it and make money steadily.
At present, the Hang Seng Index should be around 22,000 points, I also started to invest at this point, you know that last year the Hang Seng Index once fell to about 15,000 points, but I don't panic, I continue to invest, I fixed the investment for more than a year, and now the Hang Seng Index has returned to 22,000 points. My income has already been five points, and my fixed investment is also about 1,000 yuan per month, so when will I stop the fixed investment? I will stop investing when the Hang Seng Index is at 23,000 points, and below 22,000 points, I will continue to make fixed investments; Until it is above 25,000 points, I start to harvest, and then obviously after 25,000 points, my gain may be close to 20 points.
A brother asked if the Hang Seng Index can go up to 25,000 points? I'm sure most people believe it, it's just a matter of time, is it a year or two years or half a year? Then this one does not know. This tells us that the fixed investment index fund must be idle money, can not be in a hurry, because when you are in a hurry, you may take it out in a certain period of time, as soon as he takes it out, then you will lose, the second point is to endure loneliness, the process of fixed investment is very hard, for example, when the Hang Seng Index was at 15,000 points last year, is that feeling very painful? At that time, you all felt as if I lost almost the same amount of money every day.
But I don't pay attention to him, if I lose, I will bear to ignore him, continue to make a fixed investment and let him deduct money himself, don't say stop the fixed investment, and will not say that this suffering is a bottomless pit. In short, I think that fixed investment is not according to the years to harvest much income, but you must choose a better index fund, and then make a fixed investment, especially broadband index funds, he is more cyclical, as long as you persist, you should be able to reap the corresponding income, but must not be in a hurry for money, but also to keep loneliness.