基金定投

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(1)什么是基金定投?

基金定投是定期定额投资基金的简称,是指在固定的时间(每年或每月)以固定的金额(比如每个月1000新币)投资到指定的开放式基金中,类似于银行的零存整取方式。人们平常所说的基金主要是指证券投资基金。

(2))为什么要做基金定投?

定投每个月投入固定金额,可以在高位少投,低位多投。长期下来,成本必然要低于整个市场的平均点位,也要好于你自己随便从那个点位开始投资,避免了择时,克服了人性的弱点。

再来,每月/每年固定投资,可以让我们的钱积少成多,同时让我们养成理财的好习惯,避免成为”月光族”,让自己早日达成财富自由。

(3)基金定投多久可以赚钱?

我们看一下时间+复利是如何帮你把雪球滚大的:

如果你现在20岁,不做任何投资,每年把12,000新币存在银行,以现在的利息0.5%来算,30年,你的本金是360,000新币,到50岁的时候可以取出:389,297新币, 银行给你的利息是:29.297新币。

如果每年12,000新币,投资在年回报率8%的基金里,同样的30年,50岁的你可以拿到1,468,150!总盈利:1,108,150。你的资产翻了4倍!我们再来仔细看一下资产是如何增值的:

如果你定投了5年,本金是60,000,每年8%的复利,5年后账户金额是:76,031. 总盈利16,031, 而不是1,108,150/6.

如果你定投了10年,本金是:120,000,每年8%的复利,10年后账户的金额是:187,746.总盈利:76,746. 而不是1,108,150/3.

如果你定投了20年,本金是240,000,每年8%的复利,20年后的账户金额是:593,075. 不难看出,我们投资20年拿到的钱,差不多是投资30年的1/3!

因为有了前20年的积累,我们的资产在最后10年才可以加速奔跑,腾飞!

结论,投资要趁早,投资要长期主义,不要过早的退出,时间就是金钱!

(4)这里给大家做一个基金分析,一起学习一下什么是优质基金:

过去10年(2011年到2020年),Fundsmith 这支基金的年平均回报率是:18.4%,大幅跑赢指数的12.4%.10年中除了2016年Fundsmith与大盘持平(28.2%),其余9年都稳稳跑赢大盘!是的,我们选择主动型基金,一定要选择稳赢大盘的基金。

FundSxxx的投资板块也非常分散,而且稳定.

Fundsxxx 选择投资公司的标准:

1,可持续的高回报高质量的公司

2,优势很难被取代的公司

3,不需要高杠杆(高风险)就可以盈利的公司

4,可确定性的高速增长的公司

5,适应变化的公司,尤其是对科技创新。

6,股价合理的公司

当然我们还有很多非常优质的基金,比如:投资科技,投资中国以及投资新能源的基金,如果您有兴趣的话,可以私信我。

(5)投资基金一定都是锁定的吗?万一我中间缺钱交不上怎么办?

现在的金融产品非常人性化,提供了很多的灵活性。比如说:部分提取功能(在你需要钱的时候可以取出一笔钱),保费假期(经济紧张的时候可以要求暂时停止交钱),降低投资金额等,非常适合未来有很多不确定性的年轻人。因为不论未来如何,积累一笔数目不小的资产,总会让你活的更有底气!

长期定投,不仅仅是我们普通人积累财富的最好途径,也是我们工作生活的一种普世态度。有了一个正确的方向,坚持+耐心,平凡人也能够成就不平凡的成果,你认同吗?

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