There is a lot of knowledge about funds. Some people who buy funds buy them at the top of the mountain and can't stand the plunge. They sell in the valley, which means buying high and selling low. A large part of them fall into this category. There are still some people who can persist in the plunge and keep adding positions, but can't persist in the surge and sell in the early stage of the bull market. There are still a few people who can strictly follow their own laws and reach their own rate of return, that is, small profits and safety; In the end, only a few people, who choose the right fund and hold it for a long time, may double their income or more. This group of people are called value investors. What kind of person are you?

It is said that funds are suitable for long-term holding. Why do some people get off when they meet a high point? This is very simple! There are several reasons. Just put yourself in your shoes.

The first reason is that high points generally suggest high valuations. For example, Alipay Finance now has a master heat map, which will show that the master or the big money has flowed out. Will you run with the wind? 17 The insurance index of the securities I bought rose to 0.92 on 18. I feel that a fund has to be taken for a long time and has not been sold. As a result, I returned to a lower starting point of my fixed investment. I took a roller coaster.

Second, many friends buy stock funds with planned funds, not completely idle money. For example, when I was a beginner in fund making, I was told that as long as I had spare money for half a year, I could make money by doing some funds. I really did, and I made money, so my turnover was very fast. Of course, if you have spare money, you can definitely earn more by investing for five or ten years, but most people can't.

Third, although I saw a big buyer buy the mixed base, from the net value of 1 yuan per share in 2006 to the earnings of 14 yuan per share this year. But if it's not completely spare money, then who took it for so long?

There is also the fund collapse in early February this year. Have you ever met such a time? If you don't sell it before the year, will the income all fall back? So, leave the bag safely and throw it slowly, isn't it fragrant?

So you don't think people who have experienced roller coasters many times like me will leave their bags and get on the bus? The fund is suitable for long-term holding, but no one said that there is no chance to get on the bus when you get off! Not stocks. Once you miss it, you can't catch it. Funds are inherently suitable for long-term holding. You have always kept some warehouses and often do bands, which is not contrary to long-term holding.

So everyone's purpose and plan of action are different, so why force everyone to die?

This problem is easy to understand, because some people think they can make money when they see others buying funds to make money. After rushing in without investigation and study, I found that the market has gone up and down, my own funds are limited, I have no experience in investing in funds, and my trading is undisciplined.

It's actually a lack of control.

Sometimes, people who don't know much about the market behave like children trying to touch switches or cross busy roads while exploring the world. Only people who know will look scared, but they enjoy the process and only cry when something happens.

People who can't grasp the investment law and judge the future trend are prone to short-term profit psychology, and their behavior patterns usually lack continuity. A knowledgeable person is not in the planned fast-forward and fast-out list.

Mentality of making money at a loss: people have a strong ability to bear pain, but their ability to enjoy happiness is often weak.

Because:

Don't sell at a loss because you are risk averse. Under the concept that nothing can be less, people can often endure it again, even for several years. (Suggestion: Time is precious, and patience also needs to calculate the time cost)

Run if you make money, because you are worried about losing money again. The moon is full of rain and shine, the day is full of day and night, and everything will rise and fall. This is normal. However, if there is a lack of overall judgment on the market in investment, some gains will have the psychology of "taking what they want". It's like "Cordyceps sinensis doesn't talk about ice". Some things will not be believed unless you see them with your own eyes. (Suggestion: Learn more about law, take a long-term view, don't just stare at the small interests in front of you, and always think about investing around "a certain period")

Knowledge, action and goodness are the three levels of truth. No matter how much you know, you may not live a good life. This is the true portrayal of the sentence "Practice is the only criterion for testing truth".

"Practice" is my own experience. I need to reflect on my practice and find a way that suits me. This is normal procedure. Other people's things can only be referenced and borrowed, not copied.

You can think about it. Everyone buys the same or different funds at different times, with different funds and different operation methods. When buying, the unit net value is completely different, the risk tolerance is also different, the expectation of income is different, the judgment of the market is different, and the result is definitely different.

Three modes of buying and selling funds:

About the fixed investment period and deduction time:

All in all, the fund is suitable for long-term investment, and whether it is held for a long time need not be too entangled. Everyone should analyze and make decisions according to their own situation and tap their own treasures in the capital market.