Young White-Collar Financial Management Foundation

Recently, the company held a financial lecture in senior office buildings. Most of the participants were young white-collar workers. We launched a small questionnaire survey, and found that many people had never contacted the fund.

According to the survey results, there are four reasons for the white-collar alienation Fund: empty stock market, busy work, no investment and no money.

In the first instance, most people have had experience in stock trading. They lost money in the bear market in the past few years. "Once bitten by a snake, ten years shy of the well string", some people have never forgotten the lesson of "away from drugs and away from the stock market". They regard the stock market as a casino.

There are second kinds of people who are not in the minority. Some of them think that they are too busy in the daytime to invest. Others think that it is the right way to earn money by their hard work.

In the third case, people do not deliberately withdraw from the fund, but regard the fund as an inscrutable tool that only professionals can invest.

When faced with professional wording such as purchase, redemption, closed-end fund and open-end fund, they also feel confused and unable to start.

The fourth situation is divided into two categories: a group of "moonlight clan" which is quite common nowadays. This group of people pays attention to the current consumption. They think that money is used for consumption, not for savings, and there is a certain dependence on credit card consumption. Another group of people has invested most of their savings in real estate, and there is still a lot of pressure to repay the loan every month, so there is not much spare money to invest.

Is there any investment method that can take account of the above four situations?

I think there is, that is, the fund fixed investment.

To a certain extent,

Investment is done in batches without investment. Through the average cost method, the risk of investment is reduced. From a 10~20 investment cycle, the market volatility can be completely ignored; investors only need to squeeze out three hundred and five hundred yuan from expenditure every month, do not take up too much cash flow, do not cause additional burden, and basically do not affect the quality of life; funds are operated by fund management team, experts do not need to bother to study the stock market; and every month, they can make automatic money pfer regularly, and do not need to run bank outlets; with the flexible redemption mechanism of open-end funds, fund assets can be quickly realized.

For fixed investment,