指数基金定投策略与实证研究

Fund Fixed Investment Strategy and Empirical Research

随着中国金融市场的持续健康发展,基金定投逐渐成为无数人追捧的理财方式。本文基于上证50、沪深300和中证500三大指数基金给出了不同市场环境下的投资收益分析,在调整定投策略的情况下可以达到了扩大收益与减小风险的目的。选取2015年9月到2019年9月这一区间内三种指数基金进行了实证研究,与银行定期存款收益进行对比,指数基金定投收益平均高出20多个百分点,特别是加入不同市场环境下的定投策略调整,定投收益的优势进一步提升到接近40个百分点。

With the sustained and healthy development of China’s financial market, fund investment has gradually become a popular way of financial management. Based on the SSE 50, CSI 300 and Csi 500 index funds, this paper analyzes the investment returns in different market environments, which can achieve the purpose of increasing returns and reducing risks by adjusting investment strate-gies. Selected from September 2015 to September 2019 a range of three kinds of index funds has carried on the empirical research, compared with bank deposit income, index fund to be cast surely more than 20 percentage points higher than that of average returns, especially to join the cast surely strategy adjustment under different market conditions, which decides the advantage of the benefits of further ascension to nearly 40%.