Good financial planning makes life no worries.

        For petty bourgeoisie, how to effectively allocate and use salary is the most important thing. Apart from relying on the meager interest of deposits, what other investment channels can make small money become big money? This issue of "finance column" introduces how to make the best financial planning through "fixed term and fixed amount" fund investment.

        Spending too much, dreams blocked

        Young people who have just entered the society are always full of enthusiasm and hope to save the first bucket of money as soon as possible. However, they always have little left after receiving salary and deducting fixed expenses. Even if they want to get married and start a business, but due to the economic pressure of buying a house after marriage and having children, young people are afraid to get married. According to the latest statistics of the Department of household administration of the Ministry of the interior, the average age of first marriage among Chinese people continues to rise because they are worried that they will not be able to support all kinds of expenses after marriage. Boys are 32.6 years old and girls are 30.4 years old.

        Besides, it's also a great pleasure to relax by traveling. But if you don't have the habit of saving, travel expenses are also a lot of expenses. In order to pursue a better quality of life, people can't help but hope to increase their wealth through financial management. However, most of them are not good at mastering market trends due to their lack of financial and economic majors. Moreover, the deposit interest rate can't keep up with the rate of inflation. At this time, the fixed amount fund can help you easily accumulate wealth.

        Regular quota analysis and gradual accumulation of wealth

        Fixed term quota is a way to invest in funds. The fund manager can select a good portfolio of investment targets in various markets and industries. It is characterized by a fixed frequency. The advantage is that it can be individually planned according to the salary and financial situation of the investors, especially the young people. Even if they do not have a large sum of money, they can choose to invest at a lower amount every month, As long as we accumulate bit by bit, we can gradually increase the amount of investment when our income increases with our seniority, and then we can realize our dream step by step.

        Investment is like a marathon. Persistence is the winner

        Regular quota is a good investment strategy, but we must be firm in confidence and never fall into the myth of chasing high and killing low. After all, the boom is cyclical. When the market bottoms out, you can't stop withholding the funds on hand, because the net value of the funds is at a relatively low point and the number of units purchased is large. If you can continue to invest, there will be a large increase and rate of return when the boom recovers in the future. It's like running a marathon. Even if you are tired and panting in the middle of the race (the market goes down), only by sticking to it can you reach the end and get sweet fruits.

        In addition, the investment should choose the right target, in order to avoid the drastic fluctuations of the overloaded market. Generally speaking, funds are divided into stock type, bond type and balanced type. If long-term stable investment is taken as the direction, bond type and balanced fund with relatively low volatility are good choices. Although most people like to see the interest income every month, they actually put the interest earned into the principal. The effect of compound interest will make the accumulation of wealth faster and more efficient.

        Invest as early as possible and enlarge benefit with time compound interest

        As the saying goes, time is money, and the biggest capital of young people is time. Just relying on the compound interest effect of time can create considerable wealth. As long as you drink fewer drinks and buy fewer clothes every month, you can make regular and fixed investment of the money saved, which will bring unexpected surprises.

        On the other hand, the accumulated assets with different yields and years are also quite different. The higher the yield, the faster the accumulation of assets. Taking the fixed investment of 10000 yuan per month as an example, if you choose a fund with a long-term annualized rate of return of 5%, it will take 28 years to accumulate 8 million yuan; If you choose a fund with a long-term annualized yield of 7%, it will take 24 years to accumulate 8 million yuan; If the fund with 10% long-term annualized return is selected, it can accumulate to 8 million yuan in 22 years.

        Low volatility, high accumulation, easy to be rich

        Financial planning is a priority in life. It's never too late to make up your mind whether you have investment experience or not. If you are worried that you do not have enough financial knowledge, it is a good choice to find a professional financial consultant. According to your age, income and family status, the financial consultant will tailor the most appropriate investment plan, from selecting low volatility and high accumulation investment targets to observing the development and trend of the market, and adjusting the investment portfolio in time, All the financial consultants can handle it at one go; As for investors, as long as they persevere and set aside funds every month, they can not only achieve the purpose of saving, but also make use of the effect of compound interest of time, so that they can get twice the result with half the effort.

        Discipline investment and the right choice of the target is the secret of raising wealth. Let's cultivate good financial habits and achieve the goals of tourism, family and retirement by regular quota!

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