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“相对于基金定投,一次性投资收益可能很高,但风险也很大。”刘女士从前年开始进行定投,“我现在每月投资1000元,留给3岁的女儿做教育基金,所以我更看重稳妥和省心。”由于规避了投资者对进场时机主观判断的影响,定投方式与股票投资或基金单笔投资追高杀跌相比,风险明显降低。基金定投是定期定额投资基金的简称,是指在固定的时间(如每月8日)以固定的金额(如500元)投资到指定的开放式基金中,类似于银行的零存整取方式。这样投资可以平均成本、分散风险,比较适合进行长期投资。华尔街曾经流传这样一句话:“要在市场中准确地踩点入市,比在空中接住一把飞刀更难。”如果采取分批买入法,就克服了只选择一个时点进行买进和卖出的缺陷,可以均衡成本,使自己在投资中立于不败之地。这就是定投法。一般而言,基金的投资方式有两种,即单笔投资和定期定额。由于基金“定额定投”起点低、方式简单,所以它也被称为“小额投资计划”或“懒人理财”。基金定期定额投资具有类似长期储蓄的特点,能积少成多,平摊投资成本,降低整体风险。它有自动逢低加码、逢高减码的功能,无论市场价格如何变化总能获得一个比较低的平均成本,因此定期定额投资可抹平基金净值的高峰和低谷,消除市场的波动性。只要选择的基金有整体增长,投资人就会获得一个相对平均的收益,不必再为入市的择时问题而苦恼。
“Relative to the fund fixed investment, one-time investment income may be high, but the risk is also great.” “Ms. Liu scheduled investment from the previous year, ” I now invest 1,000 yuan per month, leaving 3-year-old daughter to do education fund , So I pay more attention to safety and peace of mind. “” By avoiding the influence of investors on the subjective judgment of the time of arrival, the risk is obviously lower when compared with the stock investment or the single investment of funds. Fund fixed investment is a fixed-term fixed-term investment fund, refers to the fixed time (such as every month on the 8th) to a fixed amount (such as 500 yuan) to invest in designated open-end funds, similar to the bank’s zero-sum approach . This investment can average costs, diversify risks, more suitable for long-term investment. Wall Street once circulated this sentence: “To accurately check out the market in the market, more than caught in the air a knife more difficult. ” If the batch buy method to overcome the only choose a point to buy Incoming and sold shortcomings can be balanced cost, make their investment invincible. This is the law to vote. In general, there are two ways to invest funds, namely single investment and regular quota. Because the fund “fixed rating ” starting point is low, the way is simple, so it is also called “small investment plan ” or “lazy wealth management ”. Regular fixed-term investment fund has the characteristics of similar long-term savings, can add up, flat investment costs, reduce the overall risk. It has the function of automatic bargain-hunting plus ramshackle reduction. It can always get a lower average cost no matter how the market price changes. Therefore, the fixed-term investment can smooth the peak and bottom of the fund’s net worth and eliminate the market volatility. As long as the selected funds have overall growth, investors will get a relatively average return, no longer have to worry about the timing of entering the market.