How to make a complete fixed investment plan? A complete and good fixed investment plan needs to build a reasonable monthly fixed investment quota according to its own income and expenditure, screen appropriate investment varieties, and set a good trading range. It should be emphasized that the final plan should be put on paper and strictly followed every time when investing to avoid the interference of subjective emotions.
Step 1: Sort out your own cash flow
Before starting to invest, we need to sort out our cash flow. If we don't have money, we can't invest in funds. Therefore, it is necessary for us to sort out our cash flow sources before investing. You need to sort out how much money you have in your account each month, how much you spend each month, and how much you spend on your family life. You'd better use accounting software to help you keep accounts, avoid unnecessary living expenses, and save unnecessary expenses to help you invest in funds. Generally speaking, 50% of the remaining funds after removing unnecessary living expenses can be used for fixed investment.
Step 2: Select a good investment fund
When choosing a fixed investment, do you choose a fund and then continue to invest? In fact, this is not the case, because the investment value of index funds is changing in different periods. We only invest in index funds when they are worth investing. Therefore, when investing in index funds, we must select the index funds that are worth investing in. Here is the recommended bank screw official account: make ten times more money in ten years to check.
Step 3: Make a fixed investment plan
First, we should choose the fixed investment channel, whether it is OTC fund or OTC fund. At the beginning of fixed investment, we can choose the simple OTC channel. Then, choose the frequency of fixed investment, whether it is fixed monthly or weekly. The best fixed date is the day after the salary is paid.
Step 4: Regularly check and optimize
In general, you need to record the date, variety, operation, price, purchased shares, valuation and other information when you invest. A good way to make a fixed investment is to buy when the valuation of the index fund is low, stop making a fixed investment when the valuation is high, or even sell, so as to obtain higher returns.
After a complete fixed investment plan is formulated, investors need to invest in strict accordance with the investment plan. In order to obtain a higher rate of return, they must buy when the valuation of the index fund is low, stop buying or even selling when the valuation is high, so as to obtain a higher rate of return.
