Fixed investment of virtual Monetary Fund

1. For investors with small amount of capital, fixed investment is a good way to invest. Fixed investment fund is a kind of fund management method similar to bank's lump sum deposit. That is to say, investors apply at the sales agency, and then agree on the time, amount and method of dection. The sales agency will dect the agreed amount from the investor's account at the agreed time in each period, and automatically complete the dection and fund purchase business. Not all funds are suitable for fixed investment, so it is very important to choose the right fixed investment procts

at present, many fund sales agencies have launched intelligent fixed investment service, which is an innovative mode. The purpose of this method is to realize the holding cost and increase the profit opportunities. Moreover, it is more flexible than the conventional fixed investment method
unlike other types of open-end funds, monetary funds are specialized in investing in money market instruments with low risk. They have the characteristics of high security, high liquidity, stable returns and "quasi savings". Monetary Fund is a rare financial tool comparable to current deposit in terms of liquidity and flexibility. It can be purchased at any time and redeemed at any time. The redemption money will arrive in the account in one to two days. The investment threshold of monetary fund is generally 1000 yuan or even several hundred yuan, which is far lower than that of bank financial procts. There is no need to worry about selling out and not being able to buy them. There is also income on weekends and holidays, leaving no income blank period. Accumulating a little makes a lot of money, enlivening the spare funds in daily life, and really changing people's concept that "we must accumulate a lot of money before we can invest in financial management"< Security of principal: most money market funds have the lowest risk among all kinds of funds, and the contract of money fund generally does not guarantee the security of principal, but in fact, because of the nature of the fund, the loss of principal rarely occurs. Generally speaking, monetary funds are regarded as cash equivalents
2. Strong liquidity: the liquidity is comparable to that of current deposit. Fund trading is convenient, the time for funds to arrive at the account is short, and the liquidity is very high. Generally, funds can arrive at the account within one or two days after redemption. At present, fund companies have opened the immediate redemption business of Monetary Fund, which can arrive at the account on the same day
3. High yield: most money market funds generally have the yield level of national debt investment. Money market funds can not only invest in exchange repo and other investment tools that can be invested by ordinary institutions, but also enter the inter-bank bond and repo market and central bank bill market for investment. Their annual net return rate is generally higher than that of fixed deposit rate in the same period. Moreover, money market funds can avoid hidden losses. When there is inflation, the real interest rate may be very low or even negative. The money market fund can grasp the change of interest rate and the trend of inflation in time, and obtain stable and higher income
4. Low investment cost: Generally speaking, the transaction of money market funds is free of handling fee, and the subscription fee, subscription fee and redemption fee are all zero, so it is very convenient for funds to go in and out, which not only reces the investment cost, but also ensures the liquidity. The first subscription / subscription is 1000 yuan, and the second purchase is increased by 100 yuan
5. Dividend tax exemption: the face value of most money market funds is always 1 yuan, the income is calculated every day, and there is interest income every day. Investors enjoy compound interest, while bank deposits only enjoy simple interest. Monthly dividends are carried forward to fund shares, and dividends are exempt from income tax
in addition, general money market funds can also be converted with other open-end funds of the fund management company, which is efficient, flexible and low-cost. When the stock market is good, it can be turned into stock funds, and when the bond market is good, it can be turned into bond funds. When the stock market and bond market have no good opportunities, the money market fund is a good haven for funds, and investors can grasp all kinds of opportunities in the stock market, bond market and money market in time.

2. What you invest in is not a monetary fund. There is no fixed investment in the monetary fund, because when you buy a commodity base, it is 1 yuan and 1 share. What you invest in is a stock fund. Because the price changes every day, you use fixed investment to share the price. It's no wonder that the stock market fell for a year in 1988. Remember, all fixed investment funds are very risky. Only monetary funds have the least risk. For example, yu'e Bao has invested in monetary funds.

3. Monetary Fund has good flexibility and high security. It is suitable for people with low risk tolerance and trying to resist inflation.

4.

We can make a fixed investment

the main factors that limit whether the fund can be fixed investment are as follows:

1. whether the fund is open to fixed investment, that is, whether the fund company has closed the fixed investment or applied for purchase e to controlling the total scale of the fund

2. whether it is in the closed period

3. whether it is a closed-end fund or ETF fund, Exchange traded funds can not be fixed investment

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because the monetary fund has no risk, and will generate income every day, so this kind of fund can be deposited with spare money

moreover, the starting point for many channels to buy money funds is very low, with only a few hundred or even a lot of 1 yuan. Moreover, the fastest redemption speed of direct channel monetary fund is real-time arrival, so there is no need to put much more demand deposits

therefore, this type of fund can be invested indefinitely, that is, it is good to save by itself everyday, as a substitute for saving

5. Of course, the monetary fund is a one-time purchase, there is no cost in itself, and the purchase and redemption are free
however, the rate of return is too low, but compared with the negative number of stock funds, it is good, not good
there is no point in investing in monetary funds
monetary fund is suitable for short-term increase of liquidity, but not for long-term investment. So it doesn't make much sense
this is based on the fact that the yield of the monetary fund can not catch up with the interest rate of one year's fixed deposit
although it is not denied that some monetary funds may outperform one-year fixed deposit
how good can the effect be?

6. 1. The income of Monetary Fund has nothing to do with the rise and fall of the stock market. You can buy money without fixed investment.
2. The income of monetary fund is expressed by 10000 shares and 7-day annualized rate of return.
3. On the website of the fund company, click query to see that compared with the market value of the previous day, what increases is the income of the day; Transaction and enquiry. Fill in your ID number and password and display it.

7. There is no fixed investment in the monetary fund, which can be redeemed at any time. Therefore, there is no need to redeem it regularly. These methods do not proce handling charges or conversion fees

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