How can non-professional investors achieve the most convenient value-added wealth?

I believe many people will recommend you to make a fixed investment, but investment is never a simple matter. Is it really the best choice to make a vote? In fact, many people recommend a fixed investment, naturally because of its many advantages. For young people, the biggest benefit of a fixed investment is the compulsory deposit effect.

In other words, regular investment is reduced.

Young people can collect sand and mounds through regular fixed-term investment plans. The key to accumulating a small amount of wealth without knowing it is to develop good financial management habits. However, fixed investment is not a panacea for all diseases. It is a kind of gimmick to make steady profits, casual choices, and long-term fixed investment. Therefore, although the fixed vote is good, it does not mean that it can be deliberate.

1, casually choose the bidding is not reliable.

The choice of different bids is very different.

Practice has shown that the choice of different currencies, the probability of profit is completely different. For example, if you decide to invest in Bitcoin, as the king of the currency, it may not bring you the most profit, but you can feel at ease and always give you a satisfactory harvest. And when you vote for some altcoins, the benefits are not so beautiful, and there is even a risk of zeroing.

The higher the volatility of the currency, the higher the yield.

In the fixed investment plan, the large probability is longer than the fixed investment cycle, and the high rate of volatility of the fixed currency is higher than the low volatility. This is like choosing a stable currency to set the investment. The risk is really small, but you can't get excess income at all.

It can be seen that it is very unreliable to choose the bidding at will. Xiao Biao suggests that the right target should be selected in the top ten digital currencies, and Bitcoin as a basic configuration must be available.

2, the fixed investment is not stable and does not lose.

In Baidu, fixed investment has become synonymous with the rich.

You try to search for the article, it is easy to find: similar to "fixed investment for 3 years, I bought a car", "scheduled for 5 years, I bought a suite"...

This kind of article is not very familiar, the title does give people a sense of sight, but it is also a bad time to make a vote.

Give a simple example.

Take the stock fund fixed investment as an example. If you decide to invest from November 1, 2007, and redeem the fixed investment amount on June 3, 2014, the period will be more than 6 years. The time is not short, but the cumulative return rate is only -18.23. %.

This is the data, but Xiao Ben himself has a real experience. I don’t remember it at the specific time. Anyway, I insisted that the fund’s fixed investment lasted for 5 years. During the period, there were losses in two stages. If I was eager to use the money, I would sell it. There will also be real losses.

It can be seen that there is no such thing as a fixed investment.

1) Fixed investment does not make a profit.

If there is a bad market situation, there will be a loss in the fixed investment. In addition, it is not a bad thing to stop the investment in a timely manner. The fixed investment must also learn to take profit, and the bag is safe and lock in the income. If the rate of return or total assets of the fixed investment reaches its own expectations, it is good to be content and throw it decisively.

Secondly, if you encounter a rapid rise in the bull market, you can consider throwing it and putting it in the bag; once the cow turns the bear, it will all be sold, without remorse and not selling at the highest point.

2) In the face of fixed investment losses, we must balance our mindset.

It is not recommended to sell in the short-term to face losses, after all, selling is time and transaction costs. Perhaps, if you insist on it, there is still room for a certain amount of investment.

3) Fixed investment can flatten investment costs and iron out market volatility.

It is unrealistic to want to make a lottery ticket to make a lottery overnight. It is really too difficult, but the longer the probability is, the longer the fixed investment will be.

3. Fixed investment is not necessarily better than one-time investment.

The fixed vote number is called "lazy investment", saving effort and effort.

So, is it better to make a fixed investment than a one-time investment? This has to be viewed dialectically. It cannot be said that the investment must be better than a one-time investment.

In different market environments, fixed investment and one-time investment have their own advantages and disadvantages.

1) Smile curve.
In the environment of falling first and then rising, the return on fixed investment is better than the one-time investment.

2) The market environment that is oscillating upwards.
Although fixed investment can maintain profitability, the income is not as good as one-time investment.

3) Shocking down the market environment.
There will be a certain loss in fixed investment and one-time investment, but the fixed investment loss is less than the one-time investment, and the property of “returning on multiple bargains” is determined, and the high probability of lowering the overall investment cost in the market.

Fixed investment is a common operation, but it has never been so magical in the flickering. To make a profit by making a vote, you have to know the tool for casting, and the target you are casting.

Therefore, it is not so easy for you to make a fortune, but it can reduce your investment risk.