How to determine the four methods of the fund's fixed investment amount can be used as a reference

In recent years, the fund's fixed investment has become more and more popular. For ordinary investors, most of the funds used for fund fixed investment are from their own spare money and small money. On the premise of not affecting their own quality of life and daily needs, if you want to make good money by fixed investment, you can grasp the fund quota. "Scale" is the key. If you vote too much monthly, you will worry that you will not be able to enter; if you vote too little monthly, you will feel less income.

How to determine the fixed investment amount? In response, the reporter interviewed some financial managers in our city, and summarized four methods for reference.

1. Salary ratio method

For most investors, salary is the most convenient time cash flow assets that are most convenient for investment. As the name suggests, the salary ratio method is that investors withdraw some monthly salary according to a fixed proportion, and the proportion is generally set between 10%-20%.

For example, if you can get an income of 10,000 yuan per month, you can take out 10%of them, that is, 1,000 yuan for fixed investment. If the income increases, in addition to the passive increase, it can also increase the proportion of fixed investment appropriately. When the monthly salary rises to 15,000 yuan, the income can be used for 15%, that is, 2250 yuan for fixed investment, and the total amount of fixed investment will increase throughout the year.

2. Revenue balance method

In addition to the use of a fixed cash flow assets using the salary ratio method, investors can also consider arranging a fixed investment amount based on their own income and expenditure. Before the fixed investment, investors need to sort out their "small ledger", understand their own income and expenditure, and calculate the idle funds that are available every month. Essence

Assuming that the monthly income is 10,000 yuan, the consumption expenditures such as clothing, food, housing and transportation are about 5,000 yuan, so the monthly balance is 5,000 yuan. Here, the fixed investment amount can be set to half of 5,000 yuan, that is, 2500 yuan, and the remaining 2,500 yuan is used as "flexible motor capital". In this way, you can ensure that your investment life is not wrong, and the fixed investment experience will be more calm.

3. Target -oriented method

Based on the goal as the beginning, the amount of each fixed investment is also a idea of ​​determining the fixed investment amount. Some investors may have more practical investment demand, such as future car buying plans, pensions, education funds, etc. Investors can establish investment goals in advance, select the expected annualized return rate that can achieve the high probability of long -term investment, and adjust their fixed investment amount based on each goal.

4. Large rated investment method

The large rated investment method is slightly different from the previous methods. This method is more suitable for investment for larger amount of capital funds. For example, investors have received a bonus of 120,000 yuan at the beginning of the year, hoping to invest them into the fund, but the one -time investment is difficult to select it, then the average 120,000 yuan can be divided into 12 copies. Yuan, completed the fixed investment in one year.

In short, it is not unique to determine the amount of the fixed investment amount. Each method of each method and the scenarios that are suitable for each method, how the citizens must choose to do it.

Reporter Jiang Yangyang

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