基金定投好吗？这样做基金定投！
基金定投是一种定期定额的基金投资方法，比如可能会每个星期或者每个月购入一笔相同份额的基金。这样做有什么好处呢？当然是为了平摊成本和风险，不过做基金定投要长期坚持下去才能发挥效果，短期基金定投收益少，甚至会出现亏损。
想做好基金定投要注意下面几点。
第一点，分配好自己的手上的资金，留一部分资金短期使用，确定一部分资金长期3-5年不用。这部分长期不用的钱可以用于基金定投。
第二点，制定投资计划，首先要解决在哪里投的问题？可以选择场内，也可以选择场外。场内就是直接在一些证券APP购买，场外则是在一些第三方渠道比如银行，专业基金网站，第三方基金销售公司。
第三点，确定定投时间，比如每个月的1号或者发工资的第2天，或者是每周几都可以，场外基金最好在周四下午3:00之前，这样能在周五之前确认。当然，投资者也不一定要每周定投，也可以选择每月定投。
第四步，定期检查自己的盈损情况，投资者可以根据实际情况，确定基金的估值，对基金进行买卖。不管是买还是卖基金都要做到心里有计划，这样才能在基金市场获利。
如果实在不想长期持有基金做定投，投资者也可以选择一些短期投资理财产品比如现货黄金，现货黄金因为交易规则灵活，十分适合短线交易。短线交易的现货黄金收益也不低，在日内就有机会获得10%以上的收益率，如果担心杠杆带来风险，可以选择限价平台交易，严格止损，杜绝滑点风险，自己控制损失范围。
本文来源： 大田环球贵金属
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