Some friends participate in stock or fund investment in order to make a wave of quick money when the market is good. It is best to enter the market before the bull market starts, double the short-term income and realize the freedom of wealth. But the short-term "script" to realize wealth freedom through the stock market should only belong to a very small number of people, and a large part depends on luck. Moreover, if you realize the freedom of wealth so easily, the next time you see the market opportunity, you will probably face it with the same "speculative" mentality and way. Will luck be with you next time? You may lose all the money you earned before.
Therefore, we should face the market with the mentality of "investment", especially "long-term investment", and look down on the short-term fluctuations of the market. There was a hot post some time ago, and a netizen shared his friend's mother's investment experience. The principal of 85,000 yuan is now 6,543,800 yuan+0,390 yuan. This mother was bought in 2009, and it has been nearly 12 years now. It's not that she forgot this fund, but that it needs to be invested for a long time. According to my friend's original words, "my mother's funds are held for a long time."
The stock market is not an ATM, and there will be no pie in the sky. In the face of market fluctuations, we should maintain a good attitude and not always think about getting rich in the short term. A normal mind combined with long-term investment is the correct and simple way for ordinary people to realize asset appreciation.
02. A good way may be that you say, "I also know to keep a normal mind, but it's really not easy to do it." Indeed, it is difficult for anyone to fight against human nature. In the process of investment, everyone is inevitably affected by market fluctuations, especially the short-term rapid rise and fall. Investment is a kind of practice, and it is really not easy to suppress nature in the face of fluctuations.
So under such circumstances, we need to find good ways to help ourselves cope with fluctuations, such as fixed investment.
The essence of fixed investment is to use market fluctuations to strive for higher returns. Because the fixed investment funds are entered in batches, if the market falls, the amount invested in a single period can buy more fund shares. Moreover, fixed investment can not only buy more at a low level, but also buy less at a high level, reducing the overall investment risk. Moreover, the automatic deduction of fixed investment every month, to a certain extent, "liberated" us from market sentiment, and alleviated our natural impulse to "chase up and kill down". It not only uses fluctuations to gain more shares, but also fights against human greed and fear, helping us to further increase our income. Is it killing two birds with one stone?
Of course, not all funds are suitable for fixed investment. For ordinary investors, it is easier to increase returns by choosing active partial stocks or index funds with large fluctuations, because the investment cost can be reduced more when the net value fluctuates greatly. Does that sound a little abstract? Then let's give an example. Suppose there are two funds-fund A and fund B, and the net performance is as follows. Obviously, fund B is more "up and down" and has greater fluctuations. Let's have a look. If you invest in fund A and fund B respectively, what is the difference in income results?
It can be found that if you invest in Fund A every month, you will get 4 16 Fund A in early April, and the total assets will rise to 520 yuan with a yield of 30%.
If you invest in Fund B every month, you will get 480 copies of Fund B, and the total assets will rise to 600 yuan with a yield of 50%. In contrast, fund B, which does have a large fluctuation in fixed investment, has higher income.
The above are only examples and do not represent the actual income of any fund.