The fixed investment we often talk about refers to the regular quota. You may ask, can we not limit the fixed amount and invest more money when the market falls? Of course, it is also possible, which involves an advanced method in addition to regular quotas.

First, variable rating investment: cut the chips at every high and increase at every low

Variable rating investment is to make some adjustments and changes on the basis of regular quotas to make it easier for investors to operate. Investors only need to pay a little attention to the average price-to-earnings ratio of the market, which can effectively improve the efficiency of the use of funds:

If the market falls and the price-to-earnings ratio is low, it can increase the share of investment funds.

If the market rises and the price-to-earnings ratio is high, it can relatively reduce investment or redeem shares.

In this way, we can reduce the chips on every high and increase the price on every low in the fixed investment, which makes the overall buying cost better.

Second, dynamic fixed investment: the consciousness of position in investment.

Dynamic fixed investment, also known as "value average method", "market value constant strategy". When investing in a fund, investors can first set a target of increasing the market value of the fund every month, such as HK $1000, and then review their fund amount every month. If the target is exceeded, the excess is redeemed; if the target is reached, no additional amount is added; if the target is not reached, it is added up to the upper limit. One of the advantages of this approach is that it allows us to raise a certain amount of money within our own cycle.

It may be easier to understand this decision-making method through practical cases. Suppose the goal is to increase the market value of the fund by HK $1000 per month, and then you buy a fund with a net worth of HK $1000 in January, and then you will encounter different situations:

• The market value of the fund did not meet the target and continued to invest-- in February, the net value of the fund fell to 0.70, and the market value of the fund was 700. according to the target, the market value of the fund in February will increase by HK $1000, and you will have to buy HK $1300 in February to achieve the target market value.

• The market value of the fund does not meet the target, so continue to invest-- by March, the net value of the fund will rise back to 1, and the market value of the fund will become HK $2857, compared with the target market value of HK $3000.

• The market capitalization of the fund exceeded the upper limit and redeemed funds-by April, the net worth of the fund had risen to 1.60, and the market capitalization of that month had reached HK $4800, then the excess target of HK $800 should be redeemed.

• Of course, if the market value of the fund happens to be the target market value, then there is no need to add or redeem it.

The most basic rule of this periodic indefinite quota is to buy less share at high price and more share at low price. It should be noted that the monthly investment amount is not fixed, sometimes may be more, investors need to pay special attention to prepare adequate funds.

Of course, there are more than these two methods, if you think these are too troublesome, you can honestly adhere to the ordinary regular quota method. Whether it is ordinary or advanced methods, do not forget the most important thing:Choose a suitable investment product and stick to it.

As Buffett said: "to succeed in investing in a lifetime, you don't need top IQ, extraordinary business acumen or secret information, but a sound knowledge system as the basis for decision-making. and have the ability to control your emotions so that they don't erode the system. "