Core Viewpoint - The article emphasizes the benefits of systematic investment plans (SIPs) or dollar-cost averaging, arguing that it helps manage investment risks and emotions during market fluctuations [2][5][22]. Group 1: Problems Addressed by SIPs - SIPs allow investors to buy regardless of market price fluctuations, preventing the pitfalls of trying to time the market [5][6]. - Investors often hesitate to buy during market downturns, leading to missed opportunities and potential losses [9][12]. - SIPs help manage emotional responses to market volatility, reducing the likelihood of making impulsive decisions during market lows [13][14]. Group 2: Personal Investment Experience - The author shares personal experiences with SIPs, highlighting a case where the investment initially faced a -24% loss but later recovered to -2.9% due to continued investments during market lows [15][19]. - The article discusses specific funds, such as the Huatai-PB Southeast Asia Technology ETF and Manulife India Equity Fund, showcasing their performance and recovery from losses [16][20]. Group 3: Importance of Selecting the Right Assets - The article stresses the necessity of choosing long-term upward-trending assets for SIPs to ensure positive outcomes over time [22][24]. - Historical examples, such as gold and the Nasdaq 100 index, illustrate that long-term investments can yield profits even when purchased at market peaks [26][27]. Group 4: Investment Philosophy - Viewing SIPs as a method of accumulating wealth rather than short-term trading can enhance commitment to the investment strategy [28].
定投的本质是什么?
雪球·2025-05-23 08:14