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What is an Automatic Investment Plan?
What is an Automatic Investment Plan?
Key takeaways
An automatic investment plan (AIP) is to invest a fixed amount of money in a fund at regular intervals.
AIP has four features: costs split and fluctuations irons out, disciplined investment to avoid pursuing rises and killing falls, long-term investment with compound interest, Automatic implementation, and time-saving.
Understanding an Automatic Investment Plan
An automatic investment plan (AIP) is to invest a fixed amount of money in a fund at regular intervals. For example, you buy a specific fund of $200 on the 5th of each month. Its features are as below:
1. Split costs and irons out fluctuations
Unlike one-time investments, an AIP is a process of multiple investments with average costs. Due to that the amount of monthly investment is fixed, you will buy fewer units when the price of a fund is high and more units when the price is low, which achieves the desired effect of averaging costs.
2. Disciplined investment to avoid pursing rises and killing falls
People’s investments decisions are susceptible to emotions, so they might pursue rises and kill falls and buy high and sell low. But AIP is a disciplined investment implemented punctually to avoid changing long-term investment strategy due to temporary market fluctuations.
3. A long-term investment with compound interest
Every time you make a profit by an AIP, the profit will get into a new round of AIP and repeat this cycle. A long-term investment will achieve the power of compounding to accumulate a sizable wealth.
4. Automatic implementation and time-saving
There are many fund-selling apps nowadays (such as moomoo) supporting a customized AIP. The system will enforce automatic deductions punctually as long as you correlate them with your bank account. It is simple and convenient and you do not need to do it manually.
While the AIP has many advantages, it would be better not to enter the market when the price of a fund is high. Otherwise, it might take a long time to earn its cost.
For more investment knowledge and trends, welcome to Courses in the Community.
Key takeaways
主要外卖
An automatic investment plan (AIP) is to invest a fixed amount of money in a fund at regular intervals.
AIP has four features: costs split and fluctuations irons out, disciplined investment to avoid pursuing rises and killing falls, long-term investment with compound interest, Automatic implementation, and time-saving.
自动投资计划(AIP)是指定期向基金投资固定金额的资金。
AIP有四个特点:成本分散、波动平息、有章可循的投资避免追涨杀跌、长期复利投资、自动实施、省时。
Understanding an Automatic Investment Plan
了解自动投资计划
An automatic investment plan (AIP) is to invest a fixed amount of money in a fund at regular intervals. For example, you buy a specific fund of $200 on the 5th of each month. Its features are as below:
自动投资计划(AIP)是指定期向基金投资固定金额的资金。例如,你在每个月的5日购买了一只200美元的特定基金。其特点如下:
1. Split costs and irons out fluctuations
1.分摊成本,消除波动
Unlike one-time investments, an AIP is a process of multiple investments with average costs. Due to that the amount of monthly investment is fixed, you will buy fewer units when the price of a fund is high and more units when the price is low, which achieves the desired effect of averaging costs.
与一次性投资不同,AIP是一个以平均成本进行多次投资的过程。由于月度投资额是固定的,所以基金价格高的时候买的单位少,价格低的时候买的单位多,达到了平均成本的预期效果。
2. Disciplined investment to avoid pursing rises and killing falls
2.严谨投资,避免逐涨杀跌
People’s investments decisions are susceptible to emotions, so they might pursue rises and kill falls and buy high and sell low. But AIP is a disciplined investment implemented punctually to avoid changing long-term investment strategy due to temporary market fluctuations.
人们的投资决策容易受到情绪的影响,因此他们可能追求涨价杀跌,高买低卖。但AIP是一项有纪律的投资,准时实施,以避免因暂时的市场波动而改变长期投资策略。
3. A long-term investment with compound interest
3.复利长期投资
Every time you make a profit by an AIP, the profit will get into a new round of AIP and repeat this cycle. A long-term investment will achieve the power of compounding to accumulate a sizable wealth.
你每赚一次AIP,利润就会进入新一轮的AIP,并重复这个循环。长期的投资将产生复利的力量,积累一笔可观的财富。
4. Automatic implementation and time-saving
4.自动实施,省时
There are many fund-selling apps nowadays (such as moomoo) supporting a customized AIP. The system will enforce automatic deductions punctually as long as you correlate them with your bank account. It is simple and convenient and you do not need to do it manually.
现在有很多卖基金的应用(比如moomoo)都支持定制化的AIP。只要您将自动扣减与您的银行账户相关联,系统就会准时强制执行自动扣减。它简单方便,不需要手动操作。
While the AIP has many advantages, it would be better not to enter the market when the price of a fund is high. Otherwise, it might take a long time to earn its cost.
虽然AIP有很多优势,但在一只基金价格高的时候,最好不要入市。否则,可能需要很长时间才能赚到成本。
For more investment knowledge and trends, welcome to Courses in the Community.
欲了解更多投资知识和趋势,欢迎访问课程在社区里。
moomoo是Moomoo Technologies Inc.公司提供的金融信息和交易应用程序。
在美国,moomoo上的投资产品和服务由Moomoo Financial Inc.提供,一家受美国证券交易委员会(SEC)监管的持牌主体。 Moomoo Financial Inc.是金融业监管局(FINRA)和证券投资者保护公司(SIPC)的成员。
在新加坡,moomoo上的投资产品和服务是通过Moomoo Financial Singapore Pte. Ltd.提供,该公司受新加坡金融管理局(MAS)监管(牌照号码︰CMS101000) ,持有资本市场服务牌照 (CMS) ,持有财务顾问豁免(Exempt Financial Adviser)资质。本内容未经新加坡金融管理局的审查。
在澳大利亚,moomoo上的金融产品和服务是通过Futu Securities (Australia) Ltd提供,该公司是受澳大利亚证券和投资委员会(ASIC)监管的澳大利亚金融服务许可机构(AFSL No. 224663)。请阅读并理解我们的《金融服务指南》、《条款与条件》、《隐私政策》和其他披露文件,这些文件可在我们的网站 https://www.moomoo.com/au中获取。
在加拿大,通过moomoo应用提供的仅限订单执行的券商服务由Moomoo Financial Canada Inc.提供,并受加拿大投资监管机构(CIRO)监管。
在马来西亚,moomoo上的投资产品和服务是通过Moomoo Securities Malaysia Sdn. Bhd. 提供,该公司受马来西亚证券监督委员会(SC)监管(牌照号码︰eCMSL/A0397/2024) ,持有资本市场服务牌照 (CMSL) 。本内容未经马来西亚证券监督委员会的审查。
Moomoo Technologies Inc., Moomoo Financial Inc., Moomoo Financial Singapore Pte. Ltd., Futu Securities (Australia) Ltd, Moomoo Financial Canada Inc.,和Moomoo Securities Malaysia Sdn. Bhd.是关联公司。
风险及免责提示
moomoo是Moomoo Technologies Inc.公司提供的金融信息和交易应用程序。
在美国,moomoo上的投资产品和服务由Moomoo Financial Inc.提供,一家受美国证券交易委员会(SEC)监管的持牌主体。 Moomoo Financial Inc.是金融业监管局(FINRA)和证券投资者保护公司(SIPC)的成员。
在新加坡,moomoo上的投资产品和服务是通过Moomoo Financial Singapore Pte. Ltd.提供,该公司受新加坡金融管理局(MAS)监管(牌照号码︰CMS101000) ,持有资本市场服务牌照 (CMS) ,持有财务顾问豁免(Exempt Financial Adviser)资质。本内容未经新加坡金融管理局的审查。
在澳大利亚,moomoo上的金融产品和服务是通过Futu Securities (Australia) Ltd提供,该公司是受澳大利亚证券和投资委员会(ASIC)监管的澳大利亚金融服务许可机构(AFSL No. 224663)。请阅读并理解我们的《金融服务指南》、《条款与条件》、《隐私政策》和其他披露文件,这些文件可在我们的网站 https://www.moomoo.com/au中获取。
在加拿大,通过moomoo应用提供的仅限订单执行的券商服务由Moomoo Financial Canada Inc.提供,并受加拿大投资监管机构(CIRO)监管。
在马来西亚,moomoo上的投资产品和服务是通过Moomoo Securities Malaysia Sdn. Bhd. 提供,该公司受马来西亚证券监督委员会(SC)监管(牌照号码︰eCMSL/A0397/2024) ,持有资本市场服务牌照 (CMSL) 。本内容未经马来西亚证券监督委员会的审查。
Moomoo Technologies Inc., Moomoo Financial Inc., Moomoo Financial Singapore Pte. Ltd., Futu Securities (Australia) Ltd, Moomoo Financial Canada Inc.,和Moomoo Securities Malaysia Sdn. Bhd.是关联公司。
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