Lazy people's financial management -- there is always a suitable way for your financial management

The so-called "lazy man financing" refers to the fixed investment of the fund, which means to invest in the designated open-end fund with a fixed amount at a fixed time. Its form is similar to the bank's zero deposit and lump sum withdrawal. Its characteristic is that it can make a lot out of a small amount, share the investment cost equally, and reduce the overall risk. Because of its low starting point and simple way of fixed investment, the fund is also known as "small investment plan" or "lazy man financing".

Advantages of fixed investment fund

First, the procedures are simple. The deduction and purchase of each period are automatically carried out, generally in monthly units, but there are also half a month, quarter and other time limits as regular units.

Second, save time and effort. After the fixed investment of the fund, the corresponding funds will be automatically withheld for subscription on each fixed date. Investors only need to ensure that there are enough funds in the bank card.

Third, there is no need to consider the time. In order to avoid the subjective judgment error of buying high and selling low, investors can invest in the market through the fixed investment plan, and do not care about the entry time. Average investment, capital is invested by stages, the cost of investment is high and low, to maximize the diversification of investment risk.

Fourth, the starting point of investment is low. At least one yuan can be invested.

Suitable crowd for fixed investment of fund

First, new people in investment and financial management. There are many kinds of investment and financial products in the market, and regular and fixed investment can smooth the peak and trough of the net value of the fund and eliminate the market volatility. Therefore, for Xiaobai who has just started, he only needs fixed time to invest fixed funds, no cumbersome operation, and no need to pay attention to the stock market all the time. If we can stick to it, we may have a good profit.

Second, office workers with fixed wages. Most of the office workers' monthly balance is relatively limited, and they don't get much profit from putting it into the bank. At this time, it's more suitable to make a small amount of fixed investment fund. In addition, most office workers can't spare too much energy and time to manage their financial affairs, so they may be able to steadily realize asset appreciation through fixed investment fund.

Third, people who have plans for future consumption demand. The so-called plan for future consumption is to predict that there will be a greater demand for funds in the next few years or even longer, such as buying a house or a car. Now we raise funds in the form of regular small investment in advance, which will not cause daily economic burden, and may also make the small money invested each month easily turn into big money in the future.

Fourth, the risk tolerance is not strong. If you are not very confident in your investment risk tolerance, and want to gain in investment and financial management, it is suggested that you can choose fixed investment fund. Because the fixed investment fund has the characteristics of weighted average of investment cost, it can effectively share the overall investment cost, reduce the risk affected by price fluctuations, and make steady profits more easily. It is one of the best choice tools for long-term investors to be optimistic about the market for a long time.

Three disciplines of fund investment

Discipline one: long term investment. Fund is different from stock. It mainly focuses on long-term returns, especially fixed investment. In the "smile curve" of fixed investment fund, it takes a long period from the beginning of deduction, average cost, waiting for market performance to enjoying income. Generally speaking, it is normal to insist on three to five years to see the effect, so we should be patient when considering fixed investment.

Discipline 2: don't give up halfway. The key to the success of fixed investment fund is to reduce the impact of drastic fluctuations. When the market falls, there is an opportunity to add weight at a low level and level the cost, so as to give full play to the advantages of fixed investment fund. Therefore, investors should not rush to redeem because of market fluctuations.

Discipline 3: do what you can. The fixed investment of fund is a kind of small and long-term way. If we underestimate the future capital flow, it may cause the interruption of fixed investment of fund. Therefore, before the fixed investment of the fund, we should carefully analyze our current and future income and expenditure, reserve our own reserve fund, and then select the amount of investment.