Some small partners with fixed investment funds began to lose their temper. Some people have the feeling that they have not caught up with any of them when making money, and they have not fallen behind when losing money. This is a tragedy. From the data, funds can make money, but why are so many fund investors losing money? The following is what Bian Xiao collected for everyone about why the 202 1 fund lost money _ How about buying a fund in a bull market? I hope I can help you.
Why did the fund lose money?
1 day trading fund, (short-term hot spot). The direct result of frequent operations is an increase in handling fees, at least 0.6% for one purchase and one sale. The reason for this operation is mainly because everyone likes to use funds to chase hot spots and do short-term work. The fund has a holding period of 7 days, and the premise of short-term is fast-forward and fast-out, which doomed the fund to be unsuitable for short-term operation and chasing hot spots.
2 Buy high and sell low funds (chasing up and killing down). This is the reason why most retail investors lose money. The essence is that human nature has weaknesses, the low position is afraid to buy because of fear, and the high position is bought because of greed. It is cheap when it is low, but it is rushing to buy heavy positions when it is high. If you want to make a profit, you must have reverse thinking. Others are afraid that I am greedy, and others are greedy and I am afraid.
Ginger likes to buy at one time. One-time purchase is no different from gambling. If it is an all-time high now, it will start to plummet once it is bought, and it may take 3-5 years to get rid of it. For example, you can reduce your investment risk by investing in 200 yuan every Friday. On the way up, you can continue to add positions to enjoy the benefits, and on the way down, you can continue to reduce costs.
4. Interrupt fixed investment and fund stop loss. This year, Zhu Shaoxing, the fund manager of Guo Fu Tianhui, mentioned in a sharing that this fund can achieve an annualized rate of return of 20% in the past five years, but most of the holders can only make a small profit, and few people can hold such a rate of return. The fundamental problem is that most people can't figure it out. In fact, the easiest way to invest in a fund is to hold a high-quality fund, wait patiently and get rich slowly.
It is not clear how the fund will be invested. Some funds are suitable for fixed investment, while others are not. Unclear investors will invest all at once or buy all at once. Without patience, investors will immediately quit when they see that the fund's increase is not very large.
How about buying funds in a bull market?
1a shares are short bulls and long bears, which is highly speculative. A shares fell from 20 15 to 20 18 * * for four years, and A shares have been bullish since 20 19. At present, A shares are mostly around the middle of the bull market. The higher the market, the more money investors make.
Because the capital market is volatile, the stock market fluctuates greatly every year. For example, in 2008, the Shanghai Composite Index fell from more than 6,000 points to more than 1800 points, a decrease of about 70%, and in 2009, it rose from 1800 points to about 3,400 points, an increase of about 45%. Try to invest 3-5 unused spare money so as not to affect your mood and life.
3 if the market rises more, it will fall, and if it falls more, it will rise. Of course, if you enter the capital market during this period, you can accept about 50% asset losses, buy funds in a single transaction and expect the worst, and you can accept it yourself. If you can't accept too many losses, you will intervene in the form of fixed investment by the fund to achieve your expected income and resolutely take profits.
4 Distinguish whether you are a speculator or an investor? Being an investor is a long-term and continuous learning process. It is necessary to understand that the ups and downs of the capital market are the result of all investors' thinking, and the capital market is also a testing ground for human weakness. Long-term investment in high-quality funds and equity assets can make your wealth grow steadily. Speculators need to analyze the influence of various information on the market every day and be ready to buy or sell at any time.
Three suggestions for beginners to buy funds
1 Never put your eggs in one basket to spread your investment and risk! It is better to buy 3-5 funds with small amount of funds, and it is better to buy funds with large amount of funds around 10. The lower the correlation between funds, the better.
When choosing a fund, if you buy a passive investment fund such as an index fund, you can choose a cheaper handling fee and management fee. Because they are all tracking indexes, there is little difference in income. If you buy an active investment fund, you must choose a reliable fund manager. Of course, historical achievement is also an important assessment standard.
If you don't understand the valuation and are uncertain about the trend, then set a realistic rate of return for the fund you bought. Once this rate of return is reached, it will be sold at a profit. At least I won't be too confused about when to sell it.