基金定投月度复盘
我给你一只基金(名称、类型)和我近 6 个月的定投记录(每月金额、当日净值、当前持有份额和市值)。你输出:1)我的累计投入、当前市值、真实收益率(用 XIRR 口径,不要用简单的涨跌幅);2)和同期该基金基准对比,判断我的定投节奏有没有明显跑输;3)指出 2-3 个可以优化的点(金额、频率、止盈纪律),每个点说明「改了会怎样、不改会怎样」;4)强调:这是复盘不是投资建议,决策我自己做。
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