With regard to the benefits of the fixed investment of the fund, I believe we all have some understanding of it. Such as average cost, risk sharing, buying more chips at a low level, forced savings to avoid moonlight, and so on.
Today, I'm not going to repeat this. Instead, I want to talk to you about a point that you may not notice in ordinary times, that is,"holding experience"。
This is not an indicator, but a psychological problem, but I think it is very important. That's why I prefer Mdis funds.
First of all, we all know that the net value of the fund will fluctuate, and it is very difficult for us to buy it at the lowest point of the fund.It is a high probability that funds continue to fluctuate or fall after buying.
Well, in this process, we, as fund holders, must be very uncomfortable. After all, seeing that I have less and less money, I believe no one will be very happy.
So why can a fixed investment make the holding experience better? It is because the fixed investment can make your loss ratio lower.
I made a calculation table, and suppose that the net value of a fund An at the beginning of the period was 1, falling for 12 months in a row, by 5% each month.
Its net worth curve looks like this:
The net value of the first month was 1, and that of the 12th month was 0.5688, a decrease of 43.12%.
If we buy 12000 yuan in the first month, then after holding it for one year, the account balance is 6825.6 yuan, a drop of 43.12%, completely swallowing all the declines.
But if we split 12000 into 12 months, we will invest 1000 yuan a month.