实用指南
PAC 如何运作
PAC 把投资变成习惯：定期投入，而不是追求完美时点。
要点
- 纪律胜过择时
- 下跌时买到更多份额
- 不保证正收益
- 必须可持续
Why many people start here
A PAC makes investing a routine, not a bet on the perfect entry point.
Behaviourally it is powerful because it stops you from freezing every time the market becomes scary.
Benefits and limits
Benefits include consistency, lower stress and gradual exposure to risk.
The limit is that if the market rises strongly and continuously, investing a lump sum at the start can do better.
Choosing amount and duration
The right amount is the one you can keep even during difficult months.
A 150 euro PAC that lasts ten years is better than a 500 euro PAC stopped after six months.
现在该做什么
Set a sustainable monthly amount and automate it for 12 months: quiet discipline usually beats bursts of enthusiasm.