Learning to invest in stocks in one minute has a lot of benefits.
What is monthly payment stock?
Monthly supply stock, also known as stock fixed investment, refers to the purchase of a specified stock at a fixed time and at a fixed amount. When the monthly payment stock is bought each time, it is not necessary to buy the whole stock as the stock trading does, but to buy different shares according to the different amount of monthly payment set by each person.
For example, Xiaoming plans to buy Tencent's shares regularly in stages, but Tencent shares have 100 shares in one hand. If the market price is HK $350,350, one hand will need HK $35000. The threshold for this investment is too high for Xiaoming.
Through the monthly stock offering function, Xiaoming chose to invest 10000 Hong Kong dollars a month, which was purchased by Futu according to the market price and distributed to Xiaoming's account. Xiaoming actually offered about 28 shares of Tencent per week, achieving a low threshold for monthly stock supply.
The characteristics of monthly stock
(1) the range of stocks that support monthly payments
At present, some Hong Kong stocks are supported for monthly payments, such as Tencent, BABA, HSBC and so on. Specific support stocks can be viewed on the Futuo Niuniu monthly payment stocks page: monthly supply Hot list-View all
(2) the amount and time of monthly payment
The minimum monthly contribution is HK $1000, and investors can flexibly set the monthly contribution according to their individual circumstances. In terms of timing, investors can choose to pay weekly or monthly, that is, every Wednesday or 15th of each month (in case of extended holidays).
(3) method of deduction
There are two main ways to withhold monthly payments.
The first is to deduct money through the Futu Securities account. If the securities account participating in the monthly payment has an available account balance, it will be deducted directly from the account balance. If the account balance is insufficient, but the maximum purchasing power is sufficient, the financing deduction will be used and the corresponding interest will have to be paid.
The second is to deduct money through the bank eDDA. Investors need to bind the bank eDDA in advance, choose the eDDA deduction method of the corresponding bank, and ensure that the bank balance is sufficient on the deduction day to avoid monthly payment failure.
(4) monthly stock sales
If investors terminate their monthly payments, they can sell the shares they have bought at any time. If some of the shares are less than one hand, they can be sold through fragmented stock trading.
The advantages of monthly stock supply
The main advantages of monthly offering stocks include:
First, the threshold for monthly stock supply is lower. The minimum monthly payment is only HK $1000. With less capital, you can participate in the monthly payment, which adds up through long-term monthly payment.
Second, investing in stocks through monthly payments can smooth market fluctuations. Compared with buying stocks with all the funds at one time, the monthly supply of stocks lengthens the investment cycle, diluting costs when stocks fall and gradually making profits when they rise, which is a relatively more robust way of investment.
Third, support multiple stocks to make monthly payments at the same time to spread the risk. Investors can offer either one stock or more stocks at the same time, which is equivalent to putting eggs in more baskets to achieve the purpose of risk diversification.
Fourth, the way of participation is simple and there is no need to open a separate account. You can directly participate in the monthly supply of stocks through the existing securities account, and even if there is no cash in the account, you can use the unified purchasing power of Hong Kong stocks, US stocks or IMF assets to participate in the monthly payment.