How to make a fixed investment for index funds? How to formulate the fixed investment strategy of index funds? Although the fixed investment of index funds can help us to obtain high returns, the fixed investment strategy of index funds can also be optimized and improved. The improved fixed investment strategy will help us to obtain higher returns.
When is the right time to start investing in index funds?
Is it suitable to invest in index funds at any time? Let's take an example: Uncle Wang bought the CSI 300 Index Fund of 20000 yuan in July 2014, and it became 40000 yuan in May 2015. The return has doubled in less than a year, which is quite amazing. Uncle Wang was very happy that the index fund should buy more money so that it could make money. So Uncle Wang bought another 100000 yuan in May 2015. As a result, this investment did not earn a penny by the beginning of 2016, but also lost 10000 yuan. Uncle Wang was very depressed. Why did the same index fund make money the first time and lose the second time?
The reason is that Uncle Wang bought too much. For example, if you spend 2 million yuan to buy a house worth 1 million yuan, you will buy it expensive and lose money if you sell it again. It is very difficult for index funds to earn back after buying expensive ones. So we should buy index funds when they are cheap, not when they are expensive.
So how can we judge whether index funds are expensive or cheap?
The price fluctuates around the value. In the market, the price will change at any time. Especially in the stock market, we have no way to judge short-term price changes, but we know that the price will fluctuate around the value. When the price is lower than the value, the index fund is cheap. When the price is higher than the value, the index fund is expensive. Then we only need to buy when the index fund is cheap, and sell when the index fund is expensive, and we will naturally get good returns.
Therefore, we can refer to such criteria when formulating fixed investment strategies: buy when the index fund is undervalued, and sell when the index fund is expensive. In this way, we can get better returns than ordinary fixed investment.
But do ordinary investors know that the price of index funds is higher or lower than the value?
Generally, we use valuation indicators to make inquiries and judgments, but we need to check some data, which is troublesome for ordinary investors. For example, through professional financial terminals, inquiries usually cost tens of thousands of yuan per year, which is very expensive for ordinary investors. So are there any useful tools that can help with valuation? Recommend the public account of the bank screw for everyone: make ten times of the fixed investment in ten years. To query.
