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从200块钱开始打造你的幸福生活――基金定投扫盲帖！
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<P class=MsoNormal style="MARGIN: 0in 0in 0pt"><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'"><FONT size=3>经常看到有人询问基金定投如何操作，专开一帖希望对有需要的人有帮助。觉得有用的请顶！</FONT></SPAN></P><P class=MsoNormal style="MARGIN: 0in 0in 0pt"><SPAN lang=EN-US><SPAN style="mso-spacerun: yes"><FONT size=3> </FONT></SPAN></SPAN></P><P class=MsoNormal style="MARGIN: 0in 0in 0pt"><FONT size=3><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">先说一下我自己的养鸡经历。我从</SPAN><SPAN lang=EN-US>06</SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">年初的时候一个基金论坛上开始潜水，一潜就是半年，因为自己刚毕业拿的薪水有少手上也没有米，所以一直都在论坛上学习理论知识，没有实操经验，到了</SPAN><SPAN lang=EN-US>06</SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">年</SPAN><SPAN lang=EN-US>8</SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">月份手上有</SPAN><SPAN lang=EN-US>1k</SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">闲钱就在广发的网站上直销买了广发优选，同月开始在工行的网银上定投广发聚富，最低额是</SPAN><SPAN lang=EN-US>200</SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">，我就每月定投</SPAN><SPAN lang=EN-US>200</SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">，时间是</SPAN><SPAN lang=EN-US>3</SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">年，因为可能</SPAN><SPAN lang=EN-US>3</SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">年后要用到，这时我就算正式开始养鸡了。</SPAN><SPAN lang=EN-US>07</SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">年</SPAN><SPAN lang=EN-US>2</SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">月份（就在那次大跳水之前），因为马上要过年了，回家想给老爸买部手机，我赎回了广发优选，到帐</SPAN><SPAN lang=EN-US>1523</SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">元，回报</SPAN><SPAN lang=EN-US>50</SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">％多。过完年，</SPAN><SPAN lang=EN-US>3</SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">月份公司给我加薪</SPAN><SPAN lang=EN-US>350</SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">元，我于是又定投了博时精选</SPAN><SPAN lang=EN-US>300</SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">，就当公司没给我加薪。当然除了定投，我还把年终奖买了易方达的基金。</SPAN></FONT></P><P class=MsoNormal style="MARGIN: 0in 0in 0pt"><SPAN lang=EN-US><?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" /><o:p><FONT size=3> </FONT></o:p></SPAN></P><P class=MsoNormal style="MARGIN: 0in 0in 0pt"><FONT size=3><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">下面在我的理解上讲讲怎样进行基金定投。</SPAN><SPAN lang=EN-US> </SPAN></FONT></P><P class=MsoNormal style="MARGIN: 0in 0in 0pt"><SPAN lang=EN-US><o:p><FONT size=3> </FONT></o:p></SPAN></P><P class=MsoNormal style="MARGIN: 0in 0in 0pt"><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'"><FONT size=3>首先不是每只基金都可以定投的，哪只可以定投基金公司的网站上都有说明的；其次，定投只能在银行进行，定投的话最好用自己的工资卡那家银行进行，比如你是工行的卡，可以在工行的网站上查询，有哪些基金可以定投，找到一只自己看着顺眼的就可以了，又或者是中行的卡就上中行上找，如果有开通网上银行，那就不用到柜台去操作那么麻烦，可以直接在网银上进行。就我个人的定投（我是工行的卡）说明一下具体流程：</FONT></SPAN></P><P class=MsoNormal style="MARGIN: 0in 0in 0pt"><SPAN lang=EN-US><o:p><FONT size=3> </FONT></o:p></SPAN></P><P class=MsoNormal style="MARGIN: 0in 0in 0pt 0.5in; TEXT-INDENT: -0.5in; mso-list: l0 level1 lfo1; tab-stops: list .5in"><SPAN lang=EN-US style="mso-bidi-font-family: 宋体"><SPAN style="mso-list: Ignore"><FONT size=3>（1）</FONT><SPAN style="FONT: 7pt 'Times New Roman'"> </SPAN></SPAN></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'"><FONT size=3>先到银行去开通了网上银行</FONT></SPAN></P><P class=MsoNormal style="MARGIN: 0in 0in 0pt 0.5in; TEXT-INDENT: -0.5in; mso-list: l0 level1 lfo1; tab-stops: list .5in"><SPAN lang=EN-US style="mso-bidi-font-family: 宋体"><SPAN style="mso-list: Ignore"><FONT size=3>（2）</FONT><SPAN style="FONT: 7pt 'Times New Roman'"> </SPAN></SPAN></SPAN><FONT size=3><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">登陆网银（比如操作的时刻为</SPAN><?xml:namespace prefix = st1 ns = "urn:schemas-microsoft-com:office:smarttags" /><st1:chsdate w:st="on" IsROCDate="False" IsLunarDate="False" Day="12" Month="4" Year="2007"><SPAN lang=EN-US>2007-4-12</SPAN></st1:chsdate><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">星期四上午</SPAN><SPAN lang=EN-US>9</SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">点吧）</SPAN></FONT></P><P class=MsoNormal style="MARGIN: 0in 0in 0pt 0.5in; TEXT-INDENT: -0.5in; mso-list: l0 level1 lfo1; tab-stops: list .5in"><SPAN lang=EN-US style="mso-bidi-font-family: 宋体"><SPAN style="mso-list: Ignore"><FONT size=3>（3）</FONT><SPAN style="FONT: 7pt 'Times New Roman'"> </SPAN></SPAN></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'"><FONT size=3>证券交易－基金－基金定投，然后所有工行代销的定投基金就都列表出来了</FONT></SPAN></P><P class=MsoNormal style="MARGIN: 0in 0in 0pt 0.5in; TEXT-INDENT: -0.5in; mso-list: l0 level1 lfo1; tab-stops: list .5in"><SPAN lang=EN-US style="mso-bidi-font-family: 宋体"><SPAN style="mso-list: Ignore"><FONT size=3>（4）</FONT><SPAN style="FONT: 7pt 'Times New Roman'"> </SPAN></SPAN></SPAN><FONT size=3><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">找到广发聚富，点“定投”，然后输入金额</SPAN><SPAN lang=EN-US>200</SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">，选择后端收费（有些只能前端，比如我的另一只博时精选就是），时间选</SPAN><SPAN lang=EN-US>3</SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">年，确定就</SPAN><SPAN lang=EN-US>ok</SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">了。</SPAN></FONT></P><P class=MsoNormal style="MARGIN: 0in 0in 0pt"><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'"><FONT size=3>那没有网银呢？直接去柜台了，就是要排队！</FONT></SPAN></P><P class=MsoNormal style="MARGIN: 0in 0in 0pt"><SPAN lang=EN-US><o:p><FONT size=3> </FONT></o:p></SPAN></P><P class=MsoNormal style="MARGIN: 0in 0in 0pt"><FONT size=3><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">定投协议就从现在开始了，四月份的扣款就是刚刚操作的，净值就是当天的净值；如果是</SPAN><SPAN lang=EN-US>3</SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">点以后就是第二天的净值了。星期五下午</SPAN><SPAN lang=EN-US>3</SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">点后及星期六天操作的话就是下周一的净值了。</SPAN></FONT></P><P class=MsoNormal style="MARGIN: 0in 0in 0pt"><FONT size=3><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">每月的扣款日是当月的第一个工作日（并不是每个月的</SPAN><SPAN lang=EN-US>1</SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">号，也不是第一次操作的那个日子哦），净值就是该日的净值。</SPAN></FONT></P><P class=MsoNormal style="MARGIN: 0in 0in 0pt"><SPAN lang=EN-US><o:p><FONT size=3> </FONT></o:p></SPAN></P><P class=MsoNormal style="MARGIN: 0in 0in 0pt"><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'"><FONT size=3>那我这个月的扣款日卡里没钱了或是钱不够怎么办呢？没关系，这时银行不会扣款，直到你卡里的钱够为止，但是记住不能连续三个月都没有钱，如果这样，定投就自动终止了。</FONT></SPAN></P><P class=MsoNormal style="MARGIN: 0in 0in 0pt"><SPAN lang=EN-US><o:p><FONT size=3> </FONT></o:p></SPAN></P><P class=MsoNormal style="MARGIN: 0in 0in 0pt"><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'"><FONT size=3>那想取消定投怎么办呢？一个是直接去银行办理终止，一个就是上面说的了，只要你连续三个月不让银行扣款成功，就自动终止了！</FONT></SPAN></P><P class=MsoNormal style="MARGIN: 0in 0in 0pt"><SPAN lang=EN-US><o:p><FONT size=3> </FONT></o:p></SPAN></P><P class=MsoNormal style="MARGIN: 0in 0in 0pt"><FONT size=3><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">定投的基金产品我也来说几个，不是做广告的啊，也不是建议看官买啊，只是我知道的说几个，工行的我知道广发聚富、聚丰，博时的精选（最低</SPAN><SPAN lang=EN-US>200</SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">）；中行的（</SPAN><SPAN lang=EN-US>BF</SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">工资卡是中行的）易方达（最低</SPAN><SPAN lang=EN-US>100</SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">）。</SPAN></FONT></P><P class=MsoNormal style="MARGIN: 0in 0in 0pt"><SPAN lang=EN-US><o:p><FONT size=3> </FONT></o:p></SPAN></P><P class=MsoNormal style="MARGIN: 0in 0in 0pt"><FONT size=3><SPAN style="FONT-FAMILY: 宋体; mso-bidi-font-size: 10.5pt; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial; mso-bidi-font-family: Arial">不积跬步，无以至千里；不积小流，无以成江海。</SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">想避免月光，想出国旅游，想娶妻生子，想买房养儿，想孩子上好点的学校，想养老，想</SPAN><SPAN lang=EN-US>……..</SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">那就赶快开始行动吧，从</SPAN><SPAN lang=EN-US>200</SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">块钱开始打造你的幸福生活！</SPAN></FONT></P>
查看原文能教一下我不；我想每个月投500块到银行；那一年后有多少啊；你里面说的净值；还有月底会扣钱是什么意思啊；一年之后；会不会连本钱都没有了啊；能跟我说得具体点么？？
2012/12/05回复
19880111QING58楼我都是每月定投10元。以前亏的那些，现在跟着定投可好?想它升些。是易方达
2017/08/11回复
