1. The scale of the fund you bought is insufficient, resulting in long-term losses and eventual liquidation. But don't worry too much, because before liquidation, the fund company will set aside time for investors to redeem it manually. Even if there is no manual redemption, it will be forced to redeem and return the investor's money in the final liquidation.
2. The fund you bought has a strong periodicity of constituent stocks. This kind of fund has a great influence on the economic cycle. If you hold it all the time, you may ride a roller coaster, because such funds need to choose to take profits. Even so, it can still be profitable in the long run, but it will always delay time.
3. The fund you bought belongs to the dividend index fund, so congratulations, you can stay still for life and never stop making profits. You can choose cash dividend as dividend method, and get dividend income every year, with the principal unchanged. This asset can even be left to your children as an inheritance after a hundred years.
Therefore, buying a fund will always pay off. Whether it will become more or less in the long run depends entirely on what type of fund you buy. If we want to do this, then the dividend-paying strategic weighted index fund is the first one. Because index funds have the characteristics of metabolism, they regularly eliminate bad constituent stocks and absorb good constituent stocks, so they can keep their vitality forever. For dividend index funds, there is a profit-taking strategy in itself, which is called the unprofitable method.
In addition, you can also use another selling strategy, which sets the dividend method as dividend reinvestment, and then extracts 4% of the total market value of the fund assets every year to supplement the cash flow. Because of the dividend index, the annual income of the fund is bound to be higher than 4% due to the dividend income of the constituent stocks, so this selling strategy can also ensure that your principal remains unchanged.
I am a financial debris collector. I hope my answer is helpful to you. Thank you.
I bought a fund in 2008, and experienced the joy of making money and even the loss of losing money for more than ten years. The most devastating thing is the slow way to return to my capital. From the initial ignorance to the present study and comparison, it is very important to buy funds and choose a good fund manager. Good fund managers have rich experience and low withdrawal rate, and the income from buying bad funds will be more and more. I bought the 590002 China Post Fund in 2008, but it hasn't risen at all for more than ten years, and now it's less than one yuan. Fortunately, I sold half of it and stopped in time. For more than ten years, the income of Zhu Shaoxing's Guofu Tianfu Fund has exceeded 2000%, so it is very important to choose a fund manager. Funds are different from stocks. Try to do as few bands as possible, be optimistic about the trend, hold it for a long time, and don't have short-term ups and downs. Trade time for space, and the return will be good. Last year, I misjudged that the epidemic would have an impact on the stock market. As a result, funds that entered after June did well last year. The state released water to stimulate the economy, earning more than 20,000 yuan at the end of February, but it plummeted after the Spring Festival. I believe that all the fund managers I have chosen have long-term careers of more than two years.
I started to buy funds in 2003, and the first fund I bought has increased greatly. I still think it is better to buy funds from large fund companies for a long time, just like the funds of E Fund Company. It is better to buy a good fund for a long time when the industry pays dividends. It is best to buy in batches when the decline is the worst in June 5438+February to realize asset appreciation.
Investment is risky! There is no definite way to make a profit!
Therefore, no matter what kind of investment method you have, it is not a good model to hold it all the time!
Unless, you bet your luck!
The money used for investment is idle money, and it doesn't matter if you lose it! You can take a gamble. Hang in there!
After all, there is indeed such an extreme case in the market, holding it still and finally doubling it! But the proportion should be small!
Buying a fund is choosing a fund manager. If you choose a good fund manager, it may be turbulent in the short term, but the longer the time, the more money you have in the fund. Look, I bought it three years ago. If I didn't sell it, how much is it now?
Investment and financial management is to take care of it. If you don't manage your money, the money will ignore you, so you can sell it at a high level and make up for the profit. If you buy a bad fund, you have to change it. If you are lucky, you can make money by buying a good fund at a low price, but you may not be able to buy such a good fund, which increases the investment risk.
Buying funds is also fully adjusted and bought at the bottom, with little risk.