“真的后悔没有定投”

Core Viewpoint - The article emphasizes the value of systematic investment plans (SIPs) or dollar-cost averaging, highlighting how consistent investments during market fluctuations can lead to significant long-term gains, even when starting at market highs [2][4][28]. Group 1: Historical Performance of SIPs - A historical example from 1997 shows that an investor who consistently invested $1,000 monthly in a fund during a market downturn ended up with a 41% profit after two years, despite an 80% drop in fund value [4]. - A simulation from 2015 to 2021 indicates that investors who started SIPs at the peak of the A-share market could achieve a 72% return, outperforming the Shanghai Composite Index by 102 percentage points [4][12]. Group 2: Recent Performance Analysis - Data from various indices over the past five years shows that investors who maintained SIPs during market volatility achieved positive returns, while those who made lump-sum investments often faced losses [13][26]. - For instance, SIPs in the CSI 1000 index yielded a total return of 19.58% compared to a loss of 0.28% for a one-time investment [12][26]. Group 3: Performance Over Different Time Frames - In the past year, SIPs yielded returns between 10% and 24%, while lump-sum investments achieved returns of 33% to 69%, indicating that while lump-sum investments can outperform in a strong rebound, SIPs provide a more stable approach during uncertain times [18][22]. - Over three years, SIPs consistently outperformed lump-sum investments across most indices, with the CSI 1000 index showing a return of 22.58% for SIPs versus 12.70% for lump-sum investments [21][22]. Group 4: Long-Term Advantages of SIPs - The article highlights that over five years, SIPs demonstrated a clear advantage, with all indices showing positive returns for SIPs, while many lump-sum investments remained in the red [26][28]. - The consistent investment strategy allows investors to accumulate shares at lower prices during market downturns, which can lead to substantial gains when the market recovers [29][30]. Group 5: Key Takeaways on SIPs - SIPs are portrayed as a strategy that mitigates the risks associated with market timing, allowing investors to avoid the psychological pressures of trying to "time the market" [29][30]. - The article concludes that while SIPs are not without risks and require a long-term commitment, they can be a more effective strategy for building wealth over time compared to waiting for perfect market conditions [30][31].