How to make a fixed investment plan for the fund? We all know that fixed investment of funds can help us to maintain our property and achieve financial freedom, but there are also strategies when it comes to fixed investment of funds. So how to formulate the fixed investment strategy of funds? Let's learn together.
Two elements of fund investment:
1. Fixed casting time
The fixed time can be a fixed time, such as the 5th of each month, or the next day after the monthly salary. The specific date of fixed investment has little impact on the final income. Fixed investment is a long-term process, on average, more than three years.
So how should we choose the frequency of fixed investment? According to the historical data in the past, the effect gap between weekly and monthly fixed investment is very small, almost the same. The short-term yield curve of weekly fixed investment looks smoother. Therefore, you can select the frequency according to your own needs.
The advantage of fixed investment is that it avoids the impact of our own subjective emotions on investment and helps us develop investment discipline. Some friends dare not buy when the stock market falls. When the stock market rises, they regret buying less. Fixed investment can avoid this situation.
2. Fixed investment amount
How to choose the amount of fixed investment? We have learned before that the average investment cycle of index funds is more than 3-5 years, so we should be prepared for long-term investment of more than 3-5 years. Therefore, the amount of fixed investment must be selected. If it is set high, it may affect normal expenditure and life. As a result, the fund was forced to sell later. But how much is the monthly fixed investment? The following is a general formula for the fixed investment amount of the fund:
每月定投金额=（每月收入-每月开支）/2
When determining the amount of fixed investment, we must pay attention that the amount of fixed investment should not be too high, because the fixed investment of index funds takes several years to be immobile, so we should reserve enough money for living needs.
If the balance of our salary income excluding expenses is 4000 yuan, then we can invest 2000 yuan in the index fund on the 5th of each month. How effective is this simple fund fixed investment? If you invest in the Shanghai Stock Exchange 50 Index Fund, this strategy has achieved a compound annual return rate of 12.3% in the past 12 years, which is still very good.
