Fixed investment fund. Fixed investment fund 1. General Fund Fixed Investment (1) General Fund Fixed Investment Overview. Fixed investment in ordinary funds refers to the business that investors buy a certain fund product on a bank commission basis at a fixed amount within a certain investment period. (2) Advantages of regular fund investment 1. The average cost method is used to dilute the investment cost and reduce the investment risk. The minimum subscription amount for regular fund investment is only 200 yuan per month. When the net value of the fund falls, the more fund shares are purchased. With the increase of fund net value, the less fund shares are purchased, which plays a role in sharing investment costs and reducing risks. 2. Small money can also be a big investment. Insist on saving, every little makes a mickle; Expert financial management has benefited a lot; ICBC's service is more convenient. 3. The compound interest effect is considerable for a long time. The key is that its compound interest effect is higher than all kinds of savings deposits and national debt, and the investment income obtained by customers participating in the fixed investment of the fund is completely tax-free. 2. Overview of Jizhi Fixed Investment Jizhi Fixed Investment is an upgrade of the existing fixed investment products of ordinary funds on the first working day of each month. There are two main investment methods: one is that customers can make fixed investment on a fixed date every month (referred to as the other is that customers can make fixed investment on a fixed date every month according to the trend of securities market index (hereinafter referred to as "fixed investment"). Realize flexible control over the timing and amount of fund investment. (II) "Fixed Time Quota" Quarterly Fixed Investment "Fixed Time Quota" Quarterly Fixed Investment is a kind of fund fixed investment with fixed date and fixed amount every month. In addition to the characteristics of fixed monthly investment, compound interest appreciation, long-term investment, stable fluctuation and anti-inflation, "fixed time" Jizhi fixed investment can be subscribed according to the date specified by customers. (3) "Fixed time" quarterly fixed investment "Fixed time" quarterly fixed investment refers to the fixed date (T day) specified by the customer every month. According to the comparison between a stock market index and its moving average on T- 1 day, the fixed investment amount of the fund on t day will be automatically increased or decreased. 3. The target customer of the Fund's fixed investment is 1. Customers who firmly believe that China's economy will continue to grow in the future and are willing to share the economic growth. Second, customers who want to gain "great wealth" in the future through "small accumulation" every month and realize their children's education reserve, house purchase and pension reserve plan. Third, seek customers who can overcome short-term stock market fluctuations and reduce the risk of investment funds.
What is a fixed investment fund?
First, make sure your understanding is correct. . Hmm. How interesting
Ordinary investors will have such questions at the beginning:
1. I don't have a fund account. How should I open an account?
Answer: To get an ID card, you should first get a bank card, that is, the savings card of your bank, and then get a fund account card. You tell the bank staff that you want to open a fund account, and they will tell you what to do. You just have to do what they say. The savings card charges 10 yuan, and the fund account card is free.
2. Can I buy online after opening an account? What should I do?
Answer: For example, if you are an ICBC card, log on to the ICBC website to register, and then: online securities-online funds-fund trading-fund subscription.
3. Is there a difference between online buying and bank buying?
A: The biggest difference is that there will be a certain degree of discount on online purchase fees! There is also convenience, and there is no need to queue at the bank counter.
4. What about the handling fee? What's the difference between online and bank?
There is a subscription fee for buying a foundation, which is generally1.5%; There will be a redemption fee when selling the fund, which is usually 0.5%. There will be a certain discount on the handling fee for buying funds online.
5. How much can a fund buy?
If it is a one-time purchase, at least 1000 yuan; If it is a fixed investment, generally at least 200 yuan every month!
If the risk tolerance is not great, if you buy funds to preserve the value, you can consider some bond funds or money funds. .
If you are willing to take some risks and pursue long-term interests,
I recommend harvesting 300 and harvesting 300.
Harvest Shen Hu 300 tracks the Shanghai and Shenzhen 300 Index. Relevant research shows that only when the market value of the constituent stocks of the stock index reaches more than 70% can sufficient market coverage be guaranteed and the dynamic evolution of the market share price can be more truly and comprehensively reflected. The Shanghai and Shenzhen 300 Index spans the Shanghai and Shenzhen stock markets, with a total market value of 8 1.82% and a circulating market value of 69.92%. The coverage effect on domestic stock market is far better than other indexes. At the same time, after more than 65% oversold in 2008, the valuation advantage of CSI 300 is obvious, showing good investment value.
I still wish you a smooth investment ~
What is a fixed investment?
I. Concept
Fund subscription business is a business in which investors subscribe for a certain fund product within a certain investment period. After the fund management company accepts the investor's application for subscription of fixed investment, the fund agency will deduct the subscription amount from the fund account designated by the investor within a certain fixed period (1 month is the minimum unit) according to the investor's requirements. On June 6th, 2005, the Bank launched the fixed investment business of funds.
Two. Scope of investment business
Investors, especially individual investors, who invest in the subscription business of the fund.
Three. Fund companies that provide fixed investment subscription business.
No. Name of the fund company that started the fixed investment business of the fund, fund product code.
1 southern fund Management Co., Ltd. Southern Steady Growth Fund 20200 1
2 Huaan Fund Management Co., Ltd. Huaan MSCI China A-share Index Enhanced Fund 040002
3 Rongtong Fund Management Co., Ltd. Rongtong Shenzhen Stock Exchange 100 Index Fund 16 1604
4 Guolianan Fund Management Co., Ltd. Guolianan Desheng Steady Fund 2550 10
5 Guangfa Fund Management Co., Ltd. Guangfa Jufu Securities Investment Fund 27000 1
6 Shenwan Paris Fund Management Co., Ltd. Shenwan Paris Li Sheng Select Fund 3 10308
7 ICBC Credit Suisse Bank Fund Management Co., Ltd. ICBC Credit Suisse Bank Core Value Equity Securities Investment Fund 48 100 1
8 Guangfa Fund Management Co., Ltd. Guangfa Steady Growth Securities Investment Fund 270002
9 Rongtong Fund Management Co., Ltd. Rongtong Blue Chip Growth Fund 16 1605
10 nuoan fund management co., ltd. nuoan balanced securities investment fund 32000 1
1 1 boss fund management co., ltd. boss select stock fund 050004
12 southern fund Management Co., Ltd. Southern Baoyuan Bond Fund 202 10 1
Four, the basic provisions of the fund fixed investment subscription business
1. Transaction time and fund status
(1) trading time: it shall be handled within the trading time specified on the open day.
(2) Fund status: the fund that provides fixed investment subscription business is a long-term fund, and the fund status must be "transaction".
2. Trading principle
(1) "Unknown price" refers to the net asset value of the fund unit on the transaction application date (fund deduction date) after the investor has completed the subscription business of the fund.
(2) "Amount Subscription" means that when an investor handles the subscription business of the Fund's fixed investment, it submits an application with the amount it holds as the unit.
3. Minimum purchase amount
The minimum monthly subscription amount of the fixed investment business of the Fund is 200 yuan RMB, the minimum additional amount is RMB 65,438+000, and the difference of investment amount is RMB 65,438+000.
4. Investment period
The investment period is divided into three years and five years.
5. Transaction cost and charging mode
(1) transaction fee: It is the same as the transaction fee of general funds, and no additional fee is charged. The specific rates are subject to the product announcements of each fund.
(2) Charging method: consistent with the charging method announced by the Fund.
If the charging mode of this fund is "front-end and back-end", investors can choose the charging mode of front-end and back-end when handling the subscription business of this fund.
Application plan
(1) Prerequisite: RMB settlement account of China Industrial and Commercial Bank of China (deduction account for fund fixed investment subscription), fund trading card, fund trading account of China Industrial and Commercial Bank of China and TA fund account of fund management company (the account status is normal) must be opened first.
(2) The customer submits the fund transaction card, fills in the Application Form for Fixed Investment of the Fund in duplicate, and carefully reads the instructions on the back of the second application form. (Counter handling)
(3) Investors can apply for multiple times to participate in the fixed investment of the same fund, or they can participate in the fixed investment of multiple funds.
(4) refers to the agreement signed by investors in accordance with the provisions of fund management companies and consignment agencies.
(5) On the day of application, investors cannot apply to withdraw from the subscription business of the Fund.
(6) After the transaction confirmation (T+2) is successful, investors can print the fund business confirmation notice at the fund business acceptance branch of the bank.
(7) Only after the opening of the TA fund account is confirmed can you apply to participate in the subscription business of the fixed investment of this fund.
(8) After the customer applies for the fixed investment plan, it is not allowed to apply for cancellation of the TA fund account.
Step 7 deduct
(1) Deduction account: The personal RMB settlement account of the Bank in the same city corresponding to the Peony Card (including the E-Times Card) or the wealth management account card is used as the deduction account, and the Bank does not provide fixed investment subscription service for regular cash payment over the counter.
(2) Deduction method: the system uses batch deduction method to deduct subscription funds.
What is the fixed investment of the fund?
What is the fixed investment of the fund?
Generally speaking, the so-called fixed investment of the fund means signing an agreement with the bank to invest a fixed amount into the fixed investment fund on a fixed day of each month (holidays are postponed). For example, on the 8th of every month, I bought 500 yuan Bushi Yufuhe 1 1,000 yuan Bo Shi Stabilization Fund in Bank of Communications;
What are the risks and benefits of the fixed investment of the fund?
The risk of fixed investment is smaller than that of subjective investment, because it disperses the risk well and has great benefits. For example, Bo Shi Yufu, which I invested in, is an index fund. In 2005 1 month, I started to invest regularly 1400, with the lowest drop to 980, but I also earned 20% in May this year.
How does it compare with the benefits of lump-sum deposit and withdrawal (specific data description)?
First of all, we can't compare equity funds. If the stock is bullish for a long time, I estimate that it is 2-3 times higher than the zero deposit and withdrawal. For risk-free cash/ultra-short debt funds, it is higher than one-year fixed deposit, not to mention fixed investment. At present, the annualized interest rate of Bosera Stabilization Fund is about 2. 15%, so it is not necessary to pay interest tax, which is convenient for current demand-if money is needed, 2.
Which fund is better at present?
If you are optimistic about the China stock market, then choose partial stocks or index funds, and it is generally no problem to find big companies.
The above are personal opinions, for reference only!
What does fixed investment mean?
Fixed investment refers to regular investment in funds or other investment targets in a fixed way. Fixed investment is suitable for working-class people to conduct long-term financial management.
Generally speaking, there are two ways to invest in funds, single investment and regular quota. The method of regular quota is similar to the "lump sum deposit and withdrawal" method of bank savings. The so-called "fixed quota" means investing in the same open-end fund at regular intervals (such as 25th of each month) with a fixed amount (such as 500 yuan). Its biggest advantages are average investment cost and avoiding timing risk.
The normative definition of fixed-term investment is a fund investment mode in which an investor applies through a designated fund sales organization, agrees in advance on the deduction date, deduction amount, deduction method and the name of the invested fund, and the sales organization automatically completes the deduction and subscription in the bank account designated by the investor on the agreed deduction date.
Extended data:
Advantages of fixed investment:
First, invest regularly, every little makes a mickle. Investors may have some idle funds from time to time. By regularly planning to buy the target and increasing the investment value, they can "gather sand into mountains" and unconsciously accumulate a lot of wealth.
Second, there is no need to consider the investment time. The key to investment is "buy low and sell high", but few people make a profit by grasping the best trading point when investing. In order to avoid this artificial subjective judgment error, investors can invest in the market through the "fixed investment plan", regardless of the market entry time, market price and long-term investment decision on its short-term fluctuation.
Third, average investment and spread risks. The capital is invested in stages, with high and low input costs and relatively low long-term average, which maximizes the diversification of investment risks.
Fourth, the compound interest effect is considerable for a long time. The income of the "fixed investment plan" is the compound interest effect, and the interest generated by the principal is added to the principal to continue to derive income. Through the effect of rolling interest calculation, the compound interest effect is more obvious with the passage of time. It takes a long time for the compound interest effect of fixed investment to be fully displayed, and it is not appropriate to terminate it casually because of short-term market fluctuations.
Fifth, automatic deduction, simple procedures. You only need to go to the fund agency to go through the one-time formalities, and the deduction subscription for each period in the future will be automatic.
References:
Sogou Encyclopedia-Fixed Investment
What is a fixed investment?
"Fixed investment" means that investors invest a fixed amount (such as 1000 yuan) in a designated open-end fund at a fixed time every month (such as10 days per month), which is similar to the deposit and withdrawal method of banks. Accounts payable to the fund
"Fixed investment" has a low starting point and a simple way, so it is also called "small investment plan" or "lazy financial management". The fixed investment of the fund is similar to long-term savings, which can spread the investment cost evenly and reduce the overall risk. It has the function of automatic bargain-hunting plus code and bargain-hunting minus code. No matter how the market price changes, it can always get a ratio.
Lower average cost, so regular fixed investment can smooth the peaks and valleys of the fund's net value and eliminate market fluctuations. As long as the selected funds grow as a whole, investors can get relatively average returns, which is unnecessary.
Worried about the timing of entering the market. It is always an opportunity to invest in stock funds to make a fixed investment, but only if you have the determination to persist can you see the effect. The choice of fund can be based on fund performance, fund manager, fund scale, fund investment direction preference and fund charging standard. Online ranking of fund performance. Steady stock funds can choose index or
ETF。 It is best to choose back-end payment for fixed investment, and the index funds with the same target choose low management fees and custody fees.
What is the fixed investment of the fund?
Fixed amount of investment, fixed term (e.g. monthly 1 day, term 1 month). What needs to be emphasized here is that it is a fixed amount, not a fixed share. You can choose to invest in 500 yuan or 1000 yuan every month, but don't choose to buy 1000 funds, which will not achieve the effect of fixed investment. Ok, after defining the definition, let's look at an example of fixed investment. Fixed investment 1 ,000 yuan on the 6th of each month, and continuous investment for six months. During these six days, the net value of the Fund was 1.20 yuan, 1.65, 438 yuan and 1.00 yuan respectively. The fund shares I bought were 833.3, 909. 1, 1000,1.1,1000 and 909.65438+ respectively. But what if you buy 6000 yuan directly from the beginning? I can only get 5,000 copies. After six months, the present value is 5,500 yuan, and I still have a loss-500 yuan! This calculation is simple, but for beginners who have never been exposed to fixed investment, our question is: Why should I invest when the net value is 1.20 yuan, and why not buy it at 0.90 yuan, so that I can earn more? But when we are ready to invest, who can tell us how much the fund will cost tomorrow? No one. Buffett famously said: Never predict the stock market! As far as this year's China stock market is concerned, shocks are almost inevitable. No one knows whether the index will be higher or lower today next month. In this environment, regular investment should be more attractive!
So what kind of fund is suitable for regular fixed investment? Funds with large price fluctuations. This is because we choose regular fixed investment because it helps us avoid risks in the process of price fluctuation. When the price goes up, the risk goes up accordingly. We invest the same amount of money, and the share of buying is relatively reduced. When the price is reduced, the risk is correspondingly reduced, and the share of the same amount of funds is correspondingly increased. Simply put, buy more when it is cheap and buy less when it is expensive, and the risk will naturally be reduced. As retail investors, we always want to buy at the lowest price and sell at the highest price, but the probability of success in this band operation is similar to flipping a coin, but regular fixed investment can help us find the average cost of the buying price. The longer we invest, the closer our purchase price is to the average market price. Therefore, if you are optimistic about the market trend for a long time, but the timing of admission is difficult to grasp, regular fixed investment should be the best choice. At present, stock funds are the most volatile fund products, and among stock funds, index funds are the most volatile, which is why there is a popular saying: Choose an index fund and let it grow old with you:) What is the reason? Because from a global perspective, with the continuous development of the economy, the overall trend of the market is always upward. Even though the American stock market has experienced several large-scale stock market crashes in the past 80 years, it is still creating new highs. So under such a long-term upward trend, when is it better to start a fixed investment? The answer is now! Finally, however, it should be pointed out that the current market in China is not as basically efficient as that in the United States, so many equity funds (active funds) can achieve better results than index funds. Therefore, if you make regular investments, you don't have to choose index funds. You can choose an excellent stock fund for regular investment. youcairenna/finance/list-2-0
Finally, I need to remind you that regular investment is a long-term process, so you should stick to it. If the stock market plummets in the future, you should insist on regular investment, so as to get more fund shares and get the biggest return after the stock market rises. In addition, it is best to change the dividend method to dividend reinvestment, and get compound interest income in this long-term investment process. In fact, in foreign countries, many families make fixed investment in the fund, which is not only a good saving habit, but also a considerable wealth for their children's education or their own pension through regular investment for 20 to 30 years.
What is the fixed investment of the fund?
What is the fixed investment of the fund?
Fixed-term fund subscription [fixed-fund investment] refers to a long-term investment method in which investors and sales organizations (including banks and brokers) agree on the time and amount of monthly deduction to buy a certain fund, and the sales organizations automatically deduct the money from the investor's designated fund account and complete the fund subscription application on the agreed date of each month.
What are the benefits of regular fixed investment?
A: First, the entry threshold is low and the starting point is low. The lower limit of general fixed subscription is one or two hundred yuan per month. Second, automatic transfer is convenient. After signing a one-time contract, the subsequent installments will be deducted and subscribed automatically. Third, over time, water has become a river. Investing in idle funds to increase its value, and buying funds regularly and regularly can also accumulate a lot of wealth. Fourth, reduce risks and dilute costs. Average investment and risk diversification. Choose a regular quota, the capital will be invested on schedule, and the investment risk will be relatively average. V. Resisting the erosion of inflation In the long run, sustained economic development will be accompanied by a certain degree of inflation. Regular fixed investment in a way similar to zero deposit and lump sum withdrawal will help you overcome inflation with long-term high expected returns.
The fixed investment of the fund is suitable for five groups of people.
First, the "moonlight clan", because the fixed investment of the fund has two functions of investment and savings, it can "force" itself to save;
The second is "office workers", who are busy with work and have no time to take care of investment. The fund will vote for "lazy" financial management;
The third is "happy family". Couples in their thirties should not only consider their children's education, but also plan for the elderly. They can use the fixed investment of the fund as a long-term financial management tool;
The fourth is the "investor family". At present, the net value of funds in the market is already high, and direct purchase is very risky. Fixed monthly investment can reduce risks;
Fifth, "depositors" have low interest rates. If inflation is taken into account, in fact, it is difficult to increase the value in banks, and the long-term risk of the fund's fixed investment is small, which has the function of saving.
There are six kinds of people who are particularly suitable for buying funds in the form of "regular quota"-that is, people who are unwilling to predict the market; People who have no time to manage money; People who want to reduce risks; People who plan and manage their finances for a long time; People who force themselves to save; People with insufficient funds.
* * * * How to make a fixed investment in the fund?
Fixed investment refers to the fund that is agreed to be subscribed by monthly fixed deduction. The general starting point is 200 yuan, E Fund is RMB 100 per month, and the company is 500 yuan.
You can bring your ID card and bank card to the bank counter where you want to make a fixed investment, fill in the application form for fixed investment, determine the fixed investment period (currently three or five years), the fund type and the monthly fixed investment amount, and agree on the account for your deduction (it must be the undertaking bank in the same city). Starting from the first stock market trading day of each month (or designated trading day, different banks are different), the system will automatically deduct money from the agreed account. If there is no fund in the account, the system will deduct it daily.
Because the net value of the fund is not the same every month, from the perspective of probability, the net value may be met, so the fixed investment can dilute the cost and reduce the risk. According to some calculations, the annual rate of return can reach more than 10%. Fixed investment can also apply for suspension or redemption at any time. Like general subscription, there is no financial penalty.
In order to get the maximum income, investors can control the timing of capital injection every month to get low net worth, or choose the timing of redemption to get high net worth.
What is a fixed investment fund?
Fixed fund investment means that investors deposit fixed funds into corresponding accounts every month, and banks buy funds for you regularly every month. The minimum monthly investment is 200 yuan, which is convenient for small and medium investors to continue their investment.
The biggest advantage of choosing a fixed investment fund is to effectively share risks.
For example, at present, the stock market is at 2900 points, which is unpredictable in the short term. At this time, the one-time purchase foundation takes on greater risks.
Choose the fund to make a fixed investment, and if the market outlook rises, you can still continue to earn. If it falls, after each purchase, the average cost is lower than that of one-time purchase. When the stock market goes up, you can turn losses into profits quickly.
Fund fixed investment is quite common in mature markets at present, but it is not widely used among domestic investors. In fact, the investment time is far more important than the investment time. As long as the investment time is long enough to grasp the full-band increase of the stock market, the impact of entry time on investment income can be reduced and the effect of long-term investment in accumulating assets can be enjoyed. Therefore, it is a good financial strategy for prudent investors to choose a fund with stable performance for fixed investment.
To apply for a fixed investment, you only need to choose a bank to sell your approved fund on a commission basis and apply. After the "fixed investment" is opened, the bank can buy the fund for you at a fixed time every month. The key is that you should save money on time every month.
What needs to be reminded here is that the minimum fixed investment set by different fund companies may be different. As for the funds worthy of attention of major banks, experts have provided a big list for everyone.
China Construction Bank: Shanghai Investment Bank, China Market, etc.
Bank of China: E Fund is growing actively, Yin Hua has advantages, and Harvest is growing steadily.
Industrial and Commercial Bank of China: Guangfa Jufu, Shenwan Paris Li Sheng Select, South China Steady Growth, etc.
Bank of Communications: Bank of Communications Schroeder Select, Guo Futianyi, Hefeng Growth, etc.