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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
主要外賣
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.
自動投資計劃(AIP)是指定期向基金投資固定金額的資金。
AIP有四個特點:成本分散、波動平息、有章可循的投資避免追漲殺跌、長期複利投資、自動實施、省時。
Understanding an Automatic Investment Plan
瞭解自動投資計劃
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:
自動投資計劃(AIP)是指定期向基金投資固定金額的資金。例如,你在每個月的5日購買了一隻200美元的特定基金。其特點如下:
1. Split costs and irons out fluctuations
1.分攤成本,消除波動
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.
與一次性投資不同,AIP是一個以平均成本進行多次投資的過程。由於月度投資額是固定的,所以基金價格高的時候買的單位少,價格低的時候買的單位多,達到了平均成本的預期效果。
2. Disciplined investment to avoid pursing rises and killing falls
2.嚴謹投資,避免逐漲殺跌
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.
人們的投資決策容易受到情緒的影響,因此他們可能追求漲價殺跌,高買低賣。但AIP是一項有紀律的投資,準時實施,以避免因暫時的市場波動而改變長期投資策略。
3. A long-term investment with compound interest
3.複利長期投資
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.
你每賺一次AIP,利潤就會進入新一輪的AIP,並重復這個循環。長期的投資將產生複利的力量,積累一筆可觀的財富。
4. Automatic implementation and time-saving
4.自動實施,省時
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.
現在有很多賣基金的應用(比如moomoo)都支持定製化的AIP。只要您將自動扣減與您的銀行賬户相關聯,系統就會準時強制執行自動扣減。它簡單方便,不需要手動操作。
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.
雖然AIP有很多優勢,但在一隻基金價格高的時候,最好不要入市。否則,可能需要很長時間才能賺到成本。
For more investment knowledge and trends, welcome to Courses in the Community.
欲瞭解更多投資知識和趨勢,歡迎訪問課程在社區裏。
moomoo是Moomoo Technologies Inc.公司提供的金融資訊和交易應用程式。
在美國,moomoo上的投資產品和服務由Moomoo Financial Inc.提供,一家受美國證券交易委員會(SEC)監管的持牌主體。 Moomoo Financial Inc.是金融業監管局(FINRA)和證券投資者保護公司(SIPC)的成員。
在新加坡,moomoo上的投資產品和服務是通過Moomoo Financial Singapore Pte. Ltd.提供,該公司受新加坡金融管理局(MAS)監管(牌照號碼︰CMS101000) ,持有資本市場服務牌照 (CMS) ,持有財務顧問豁免(Exempt Financial Adviser)資質。本內容未經新加坡金融管理局的審查。
在澳大利亞,moomoo上的金融產品和服務是通過Futu Securities (Australia) Ltd提供,該公司是受澳大利亞證券和投資委員會(ASIC)監管的澳大利亞金融服務許可機構(AFSL No. 224663)。請閱讀並理解我們的《金融服務指南》、《條款與條件》、《隱私政策》和其他披露文件,這些文件可在我們的網站 https://www.moomoo.com/au中獲取。
在加拿大,透過moomoo應用程式提供的僅限訂單執行的券商服務由Moomoo Financial Canada Inc.提供,並受加拿大投資監管機構(CIRO)監管。
在馬來西亞,moomoo上的投資產品和服務是透過Moomoo Securities Malaysia Sdn. Bhd. 提供,該公司受馬來西亞證券監督委員會(SC)監管(牌照號碼︰eCMSL/A0397/2024) ,持有資本市場服務牌照 (CMSL) 。本內容未經馬來西亞證券監督委員會的審查。
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., 是關聯公司。
風險及免責聲明
moomoo是Moomoo Technologies Inc.公司提供的金融資訊和交易應用程式。
在美國,moomoo上的投資產品和服務由Moomoo Financial Inc.提供,一家受美國證券交易委員會(SEC)監管的持牌主體。 Moomoo Financial Inc.是金融業監管局(FINRA)和證券投資者保護公司(SIPC)的成員。
在新加坡,moomoo上的投資產品和服務是通過Moomoo Financial Singapore Pte. Ltd.提供,該公司受新加坡金融管理局(MAS)監管(牌照號碼︰CMS101000) ,持有資本市場服務牌照 (CMS) ,持有財務顧問豁免(Exempt Financial Adviser)資質。本內容未經新加坡金融管理局的審查。
在澳大利亞,moomoo上的金融產品和服務是通過Futu Securities (Australia) Ltd提供,該公司是受澳大利亞證券和投資委員會(ASIC)監管的澳大利亞金融服務許可機構(AFSL No. 224663)。請閱讀並理解我們的《金融服務指南》、《條款與條件》、《隱私政策》和其他披露文件,這些文件可在我們的網站 https://www.moomoo.com/au中獲取。
在加拿大,透過moomoo應用程式提供的僅限訂單執行的券商服務由Moomoo Financial Canada Inc.提供,並受加拿大投資監管機構(CIRO)監管。
在馬來西亞,moomoo上的投資產品和服務是透過Moomoo Securities Malaysia Sdn. Bhd. 提供,該公司受馬來西亞證券監督委員會(SC)監管(牌照號碼︰eCMSL/A0397/2024) ,持有資本市場服務牌照 (CMSL) 。本內容未經馬來西亞證券監督委員會的審查。
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., 是關聯公司。
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