After the New Year in February, many people thought that the stock market would usher in a rising trend, so many people invested their year-end bonuses issued before the year into the stock market or funds, trying to make a fortune through the fund market.

It is understandable why everyone has this idea. After all, starting from March 2020, including the stock market and the fund market, there has been a significant increase. Some funds have even increased by more than 50% in a year, which is equivalent to 100,000 yuan.

You can earn 50,000 yuan a year, which is very impressive.

However, funds have risks, and you need to be cautious when investing. Funds are not like bank deposits. No matter how much the market changes, your deposit interest rate will not change; funds will fluctuate with market fluctuations, although some funds in the early stage have

The rate of return is indeed relatively high, but the higher the rate of return means the greater the risk and pressure of falling, so if you easily take over when it is at a high level, many people will be trapped.

Especially since March 2021, the performance of the stock market has been sluggish, with a relatively large decline, and the corresponding stock-based funds have also experienced a relatively large decline. Those who entered the market at the end of February are now basically

Trapped.

I would like to be thankful that I got rid of some of the funds I had on hand in time. I bought some funds around August 2020, but after buying them, these funds began to fall. At the highest point, the decline was close to 20%.

At that time, I thought I would be trapped like this for many years, but when the fund fell, I did not sell it in time. At that time, I set a goal for myself. As long as the return rate reached more than 15%, I would sell it.

After selling, I thought it might take two or three years to achieve this rate of return, but I didn’t expect that one of the funds would reach the target in only 5 months, with a cumulative rate of return of about 18%, so I sold it in January 2021.

I sold it in March.

There is another fund whose performance has been unsatisfactory. However, after entering February, this fund is still rising. At its peak, it had a return rate of 22%. However, because of a little greed, it was not sold in time.

, and then it started to fall. When I saw the decline on the first day, I immediately sold it in time and stopped the loss in time, so the final rate of return was fixed at 18%.

Equivalent to almost half a year, the cumulative return rate of my two funds has reached 18%, which is relatively good.

In the past period of time, the reason why my two funds have been profitable is actually that my investment idea is very simple. You must set an expected rate of return for yourself. When this rate of return is not reached, you must insist on holding it.

No matter how sharp the fund falls, don't sell it easily. If you sell it easily, all your efforts will be wasted; on the other hand, when the fund's return rate reaches your expected return rate, you must overcome your greed and actually sell it.

Get rid of it. Don't think that since the fund can rise to this extent, it will definitely rise in the future. The reason why many people suffer losses when buying funds is often because they are too greedy and confident.

Of course, when buying funds, everyone must also choose the appropriate entry point. As for when it is more appropriate to buy funds, I think a very important reference is macroeconomic performance and monetary policy trends.

When the economic performance is relatively sluggish, in order to stimulate economic development, monetary policy is often relatively loose. When the currency is relatively loose and the economic performance is not ideal, funds will flow into the capital market. At this time, the stock market often

If it goes up, the fund will also go up.

Most of the Christians who came in this year are novices with no investment experience. They were born in the 90s (post-90s) and caught up after seeing the previous funds rise sharply. Now they are panicking when they see the funds falling.

Those who are moved are the old Christians, and the new ones have basically been cleared.

Most of the people entering the fund market this year are those who are new to equity investment. This is mainly due to the huge increase in stocks and funds last year, especially the fund's rate of return, which made many people jealous.

A large number of Christians born in the 1990s have entered the fund market. This is also the first time they have purchased investments other than financial products.

What I didn't expect was that the newly arrived Christians born in the 1990s were immediately taught how to behave by the market, and once again tasted the feeling of being severely beaten by society.

Friends born in the 1990s generally have several years of work experience and have accumulated some spare money. They cannot afford to buy a house, the yield on financial products is too low, and they don’t dare to play in stocks.

As a result, funds have become the first choice for many people.