? On heroes with history.

Investors often say: "This fund is good and earned; That fund is not good, and it is lost. " There are also many investors who choose funds to see various so-called ratings, and which "star" buys more. ?

★ Disadvantages: The return of fund investment is the comprehensive performance of time and variety. The fund may make money because of its low intervention point, and the loss may be due to the limited investment ability of the fund manager. The so-called rating can only be used for reference. After all, the rating is only based on the fund's past performance. ?

★ Tips: Funds that perform well in a unilateral bull market may not perform well in a volatile market. It is obviously biased to judge the pros and cons of funds solely on the basis of absolute returns.

& gt& gt Only buy new pedestals.

Ordinary citizens, especially novices, like to invest in new funds, which is related to the re-promotion of funds through fund sales channels. ?

★ Disadvantages: The timing and stock selection ability of the new fund lacks historical basis, and the new fund has a opening period, which is easy to delay the fighter. ?

★ Tips: The new fund is not an original stock, so it cannot create a wealth myth. Pay more attention to sub-new funds with excellent performance.

? The net value of>& gt fund is lower than high.

When choosing a fund, many investors tend to prefer a fund with a net value of 1 yuan to a net value of 5 yuan. I feel that 1 yuan funds can buy more stocks with the same funds, with less risk. ?

★ Disadvantages: Fund investment has nothing to do with net worth, and you will be clear after calculating an account. Take the investment of 654.38 million yuan as an example. If you buy 6,543.8+10,000 funds with a net value of 6,543.8+0 yuan and 50,000 funds with a net value of 2 yuan, if the appreciation is 654.38+ 00%, you will also earn 6,543.8+100 million yuan. Net worth has nothing to do with the rate of return. ?

★ Tips: The net fund value is the accumulation of historical performance. High net worth is the result of good performance or less dividends, which does not affect the future performance of the fund. Accounting yield mainly depends on relative value, not just absolute value. Strictly speaking, excellent old funds with relatively high net worth are more worthy of trust and investment.

? & gt& gt insist on long-term investment.

Many investors stop changing after buying a fund, or miss the opportunity to lighten their positions at a high level, or find that the fund manager is not the one they like. ?

Disadvantages: deeply poisoned by long-term investment theory. Funds are suitable for long-term investment, but not all varieties are suitable for long-term investment and are suitable for holding the same portfolio at any time. ?

★ Support: There is no contradiction between long-term investment and phased holding, and timely lightening positions and exchanging shares is an important means to avoid systematic risks and non-systematic risks.

? & gt& gt excessive dispersion

Some investors hold as many as a dozen or twenty funds, and often forget which funds they hold. ?

★ Disadvantages: Too much quantity is not conducive to continuous tracking of fund performance, and it is easy to lose sight of one thing and lose sight of another. It is basically meaningless to hold three Shanghai and Shenzhen 300 funds for risk control. ?

★ Tips: Be sure to fully understand the capital situation. Instead of buying repeatedly, it is better to supplement the existing excellent funds. According to the individual's risk tolerance, choosing 3-5 excellent funds can effectively spread risks.