My mentality of buying funds is actually quite stable. In other words, I have always adhered to the investment logic of long-term investment, and I also believe in value investment. I won't do short-term operation, because I think short-term operation is better than buying stocks.

Many friends especially like to buy funds, because they feel that the threshold of funds is not so high, and they can also exercise their financial management ability. I think this starting point is a very good thing, but if there is not enough financial knowledge, the investment fund market is likely to lose money. This market is actually quite dangerous because the investment market is a cruel thing. If you don't choose the right product or the right time, it is likely to bring you huge losses.

Why do you say that the funders have nothing to lose?

The reason is very simple, because the fund has basically not risen since 2006 and has been in a downturn. Many funds have adjusted back 20 points in depth, which is deeply involved with many investors. If you think about it now, it is equivalent to saying that you lost money. But if you don't come out, you will be very anxious to see such gains, so now many investors who hold funds have lost their temper.

I think the logic of many people investing in funds is wrong.

We can understand that the investment fund is a long-term thing, because it is a long-term persistence, from which we can get stable income. But many people will pay too much attention to short-term income when they first join the investment fund, so that when the bull market rises wildly, many people rush into the market, but they don't know that the bull market will end one day. When the bear market comes, many investors hold too high prices, so this time is neither buying nor selling.

We should take a long-term view.

As I said in the full text, I think the holding of funds is a long-term process. We should choose value investment instead of short-term income, because short-term income is difficult to measure and no one can accurately predict the market. It can only be said that choosing short-term means choosing stability, but stability does not mean no gain. If you lengthen the time axis, holding funds for a long time will definitely bring you rich returns, which is a problem that many small partners are unaware of, and it is also the road for many novice investors to transform into mature investors.