投资基金理财，定期定额可能是普通人享受复利效应最好的懒人投资法。今天给大家介绍一个哈佛大学教授发明的进阶版定投方法：价值投资法。让我们基金投资的效果能够打败基金大盘。

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好书推荐：亚马逊购买链接(佣金)
– 原子习惯 (细微改变带来巨大成就):
– 金钱心理学(学会聪明理财):
– 聪明的投资者(资产管理入门)：
– Kindle(读书神器):
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美股查理，用简单的语言，讲硬核的干货。
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Because market and economic conditions are subject to rapid change, all comments, opinions, and analyses contained within our content are rendered as of the date of the posting and may change without notice….(read more)

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Complete Guide to Regular Investment: When to Sell a Regular Investment Fund? What is Value Averaging? How Does Investment Management Produce Compound Interest?

Regular investment, also known as systematic investment or dollar-cost averaging, is a popular strategy for long-term investors. It involves consistently investing a fixed amount of money at regular intervals into an investment fund, regardless of market conditions. This approach offers several advantages, such as reducing the impact of market volatility and promoting disciplined investing habits. In this article, we will explore some essential techniques and concepts related to regular investment.

One common question that arises among regular investors is: when should we sell our investment funds? Determining the right time to sell requires careful consideration of various factors. Firstly, it is crucial to assess the overall performance of the fund. If the fund consistently underperforms compared to its benchmark or similar funds, it might be a sign to consider selling. Additionally, changes in the fund’s management team, investment strategy, or underlying holdings should be taken into account. These factors can impact the fund’s future returns and should be carefully evaluated before making a decision to sell.

Another technique related to regular investment is value averaging. Unlike traditional dollar-cost averaging, where a fixed amount is invested at regular intervals, value averaging adjusts the investment amount based on the fund’s performance. The goal of value averaging is to maintain a specific target value for the investment while taking advantage of market fluctuations. If the fund’s value is below the target, more money is invested, and if it exceeds the target, less money is invested. This dynamic approach aims to increase the chances of achieving higher returns over time.

One of the significant benefits of regular investment is its ability to generate compound interest. Compound interest refers to the phenomenon where the initial investment amount, combined with any accumulated interest or investment gains, generates additional earnings over time. In simple terms, compound interest allows investors to earn interest on their interest. Regular investment maximizes the potential of compound interest by consistently reinvesting returns and taking advantage of the long-term compounding effect. Over time, this compounding effect can significantly boost the overall investment return.

To illustrate the power of compound interest, let’s consider an example. Suppose an investor starts a regular investment plan by contributing $500 per month into an investment fund with an average annual return of 8%. After one year, the investment would grow to $6,121. Over ten years, the investment would multiply to $99,612, and after twenty years, it would balloon to an impressive $352,918. This exponential growth is a result of consistent contributions, reinvestment, and the compounding effect of compound interest.

In conclusion, regular investment is a valuable strategy for long-term investors. Knowing when to sell an investment fund requires assessing its performance, management changes, and any alterations in underlying holdings. Value averaging offers a dynamic approach to regular investment by adjusting investment amounts based on the fund’s performance. Furthermore, regular investing harnesses the power of compound interest, allowing investors to generate substantial returns over time. By utilizing these techniques and understanding the principles, investors can make informed decisions and maximize their investment potential.