First, why do you always lose money when buying funds?
The fund itself is a relatively simple and easy-to-operate investment and financial management method, and the professional requirements for investors are not very high, because we have professional fund managers to invest in us after we buy the fund. So why do you always lose money by buying funds? The main reasons are as follows.
1, frequent transactions, like to do short-term.
The logic of fund making money is to exchange time for space. Generally speaking, as long as you hold a fund for a long time, the probability will rise, but the possible increase is not very large and the expected return is low. As a result, some investors want to improve their expected returns through short-term trading and double their expected returns through continuous trading, but it is often unsatisfactory. Instead of raising the expected income, they lost the principal.
2. I like chasing up and down, and the fund trading time is unreasonable.
Whether it's stock trading or fund, many investors like to chase up and kill down. When the fund goes up, they buy in large quantities. When the fund falls, they immediately throw it out, always running behind the market changes, buying high and selling low. Then you will definitely not make money.
3. The fund position is unreasonable.
First of all, from the fund itself, there are different types of funds, and the risks of different types of funds are different. Some investors don't know much about funds, and the funds they hold are all high-risk stock funds, which are directly linked to stocks and are greatly affected by stock market fluctuations, and the fund itself fluctuates greatly.
Secondly, from the market direction of fund investment, many investors have not invested their money in the same fund, but have invested their money in the same industry. All the funds held are invested in the same industry. Once the industry is depressed, all the funds held will fall.
4, like chasing hot spots, blindly follow the trend
Every once in a while, there will be some online bloggers, high-traffic big V or senior experts speculating on some popular funds. When investors see these news, they blindly follow the trend without analysis. Once the hot spots pass, they often fall behind.
Second, what should I do if I buy a fund and lose money?
After buying a fund and losing money, you should calmly analyze the reasons for losing money and see if you have any technical mistakes. If there are technical mistakes, we should sum up our experience and correct them in time. If the decline of the fund is due to the influence of the market environment, then it is necessary to analyze whether the fund still has the value of continuing to hold or add positions. When the fund falls, it is often an investment opportunity.
However, if the fund itself has some defects, or if the fund company or fund manager has any problems, then the possibility of subsequent rise is relatively small, so stop loss in time can be considered.
Investment is inherently risky, and profit and loss are common in investment and financial management. No one can accurately grasp the trend of the market, only by reducing the probability of their own losses and reducing their investment risks to a certain extent.