A few days ago, a friend complained to me that he was diligent and active in the mixed club, and the notes in the screenshot were all methods.
I really work hard, but some things have good results without working hard.
Many people have asked about the fund these days. Some people are complacent, and their accounts earned more than 65438+100000 in one day. Others complained that the previous losses were too great and they were still filling the pit. Although we talked about the same problem, most of them were defeated by the human nature of chasing up and down.
"/kloc-0 earns 10,000 a day" seems to have achieved remarkable results, but once you start to care about the daily ups and downs, your mentality is already unstable.
Ok, let's talk about the most basic three points today.
First, timing is very important, but please give up, regardless of funds, stocks, gold and foreign exchange. "Buy low and sell high" is always the king of making money. The timing is wrong, and after stepping on the empty space, it becomes a receiver with its own forgiveness color.
What is timing?
In the middle of 2065438+2005, you only need to enter the 6-digit code, and you will see the account turn red tomorrow.
One of the most common fund problems-"Can you bargain today?" Let's just say, first of all, in the short term, it depends on luck.
However, most people are not so lucky, and it is not an exaggeration to copy the bottom halfway up the mountain.
Secondly, the "good time" is always the rearview mirror perspective. Only by looking back can we determine whether it is good or bad. At that time, the day lily should be cold, and the leeks should be harvested one after another.
Let me talk about a fund in my hand.
At the beginning of 20 16, I was half dead when I bought it, and it plummeted several times. Is the starting point bad enough?
Another friend of mine later bought it at one time, but he couldn't help but quit within 1 year, and finally lost nearly 15%.
I threw a fool and decided to add positions occasionally on dips, and gradually climbed out, with a current income of 22%.
There is a simple reason. As long as you continue to buy at a low level, the future rise is a high probability event, and naturally it is easy to make a profit.
It's not that I haven't tried the operation of fast-forward and fast-out. I can only say that I am naive enough to ignore my fortune, and nine times out of ten, even if I make a little money, I will lose inexplicably.
If you want to be a winner in investment, you must do something with a high winning rate.
Second, mentality is very important. The attitude towards losses is the biggest factor to open up profits. All right, let's move on to the previous picture. Friends around me immediately asked me about the fund code and said generously:
"Nothing, count me in if you lose."
Expect to make a stable profit after buying, and let go and wait for the fruits of victory. Ahem, that's not true. You only see other people's fund code+account income. Turn a blind eye, you can't judge whether it's worth buying for a while, even if you bet right, you may not be able to hold it.
Because you don't understand, you will inevitably have fear. A fear, often a technical deformation.
After all, the core of the fund is stocks, and high volatility means high risk.
The first step to stabilize your mind: use spare money.
Don't touch the money for buying a house, buying a car and repaying the loan. What should you do? Spare money means "you can afford it". Put yourself in others' shoes. Throw the money for buying a house into the stock base and have a heart attack in minutes! An oversight is a great tragedy.
What's more, fixed investment is a long-term behavior, and the money used should be inexhaustible spare money for 3-5 years to ensure continuous buying.
The second step to stabilize your mind: ignore short-term ups and downs.
You can go to any fund community, find a fund with poor performance recently, and read the comments to understand why most of them are losing money.
"Is the fund manager stupid? Spicy chicken! "
"Do you think it will go up tomorrow?"
"It is estimated that there is no chance. It took me two months to get off. "
Comrades, the fund is not good.
Take a fund I held on 20 12-20 15 as an example.
I bought the fund on 20 12, and the price is in the early days of 4 yuan. In those years, I lost two months, and the ground was full of poor babies waiting for the spring breeze for more than two years.
When I sold it in June, 20 15, the price was close to 13 yuan, and the account income exceeded 125%. But should the military medal be awarded to the soaring 20 15 years?
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A bear market long enough is the real hero, but it didn't give me enough time to build a bottom position. How can we seize the short-lived bull market?
Third, the index chooses a broad base, and the industry chooses to underestimate Buffett. There is a principle: good company+cheap price = buy.
Let's look at the first one first.
How to acquire a good company? For example, a broad-based index running with the broader market is equivalent to packaging and buying excellent company stocks, balancing allocation and diversifying risks, without worrying about the level change of fund manager variables.
The same characteristic of a good company: stable profit. So as to realize the beautiful vision of "they are good to me".
Look at "cheap price" again.
Many people prefer industry funds, and the core reference indicators for choosing industry bases are valuation and percentile.
No matter which industry, no matter where, the price will return one day. What we have to do is to find out the low-level funds and hold them patiently until the day when they return to or even exceed the average.
After all, no one knows where the wind will blow.
Consumption? White wine? Medicine? Crude oil? Instead of guessing dishes, it is better to do something predictable in a stupid but effective way. In particular, low valuation+low percentile is worth increasing investment.
All right, that's all. I hope you have a good time.