The difficult thing is to choose your own fund and establish an investment plan. In addition, there are many traps that you accidentally fall into in fund investment. Today, let's talk about the common traps in fund investment.
First, chase up and kill down
One of the main reasons for chasing up and down is that some funds come from the stock market, and they bring the trading habits in the stock market to fund investment. Unlike stocks, the fluctuation of funds is smaller than that of stocks, but intraday trading will only increase transaction costs.
Another reason is the trading psychology of greed and fear. I want to earn more, but I'm too worried about the loss.
Funds are suitable for long-term holding, because the assets of self-owned funds are managed by professional fund managers, and good funds managed by fund managers will naturally have the value of continuous growth.
Second, superstition of the Great God
This is mainly among the buyers of new funds, because there is no reference to historical performance when the new fund is issued, so we will try our best to start with fund managers and fund companies when promoting it. At this time, they often advocate the ability of fund managers in various ways, and take out the best performance in the past to prove it.
After listening and watching too much, investors began to be superstitious about star fund managers and felt that they could manage all funds well.
In fact, if you are not particularly sure about the investment, it is better to choose a mature old fund as far as possible, because the operation of the old fund is relatively mature.
Third, the cost is complicated.
Suppose you have two accounts and bought the same stock, the cost price is 20 yuan and 15 yuan respectively, and the current stock price is 18 yuan. But at this time, you need money. To sell some stocks, which account would you choose to sell?
I believe you are more likely to choose to sell the shares in your account at the cost of 15 yuan. This is the cost plan.
Think about it carefully, in fact, it is the same to sell any account. If your stock is losing money, you will choose to hold it until it is untied.
However, investment is often against human nature. If you decide to buy a fund, you will eventually ignore the cost and pay more attention to the changes of the fund itself and operate it reasonably.
Fourth, herd mentality.
In this regard, we can also call it herd effect, that is, investors infect each other, and everyone says that good is good.
An investment view is recognized by everyone, that is, most people think it is good, which is the easiest and least stressful for decision makers.
But in fact, your judgment is the most accurate and effective when you can keep thinking independently.
Investment is not a market that everyone says is good, but when everyone says it is good. Maybe the investment target has reached its peak. It's risky to go back in at this time.
Fifth, the practicality of investment strategy.
This is mainly to identify the fund manager. Many fund managers will create their own image through some investment views to attract investors. However, in the actual operation process, words and deeds differ. We need to be wary of such fund managers.
For example, a fund manager claims to be a firm value investment, insists on holding shares for a long time and pays attention to the long-term stability of performance, but in practice, the turnover rate is very high, which is the case that words and deeds are different. Without a firm investment philosophy, it is difficult to manage the fund well.
Sixth, believe in the tweets of explosions.
Now is an information explosion society, investors have more and more channels to obtain information, and the competition among various media is fierce.
It is common to exaggerate fund products for eyeball effect, which also misleads investors.
Remember, don't be obsessed with performance champions and pay less attention to short-term performance.
I hope the above contents are helpful to you.