Compared with stocks, funds are less risky. However, in the market, many investors still lose blood when buying. So, what are the reasons for losing money when buying a fund? Why do you lose money when buying a fund? The following is the reason why Bian Xiao sorted out the loss of money by buying a fund for you. I sincerely hope I can help you! For your reference.

There are several reasons for losing money when buying a fund:

1, blindly chasing up and down

In the fund market, some people like to blindly chase up and kill down, that is, the fund goes up and buys blindly, while the fund goes down and sells blindly. They don't grasp the trend of the fund well, and as a result, they don't make money in the formalities, but they also lose money.

2. Buy at a high level

The fund moves back and forth. The basic people buy at the high level of the fund, and the cost of holding positions is high. Even if the fund's rate of return is positive, it will lead to investors' losses.

3. Chasing market hotspots and changing bases frequently.

Some people like to buy funds that are in hot spots in the market, and the hot spots in the market rotate faster. When the market hotspots turn, the funds will undoubtedly retreat, resulting in losses for investors.

4. Short holding time, paying too much attention to the short-term trend of the fund.

Some citizens will not judge whether the fund is up or down, whether it is in the early, middle or late stage. They pay too much attention to the short-term market of the fund and ignore the long-term market of the fund, which often leads to selling the fund in the middle of the fund's rise, but they miss the later rise and only earn a fraction. In the process of fund decline, they were unable to resist, leading to deeper quilt cover.

5, will not reasonably control their positions.

When trading individual stocks, they control their positions unreasonably, preferring to buy from heavy positions or Man Cang, which leads to insufficient funds to cover their positions when the fund falls in the later period, so as to evenly spread risks.

Reasons for losing money by buying funds

Reason one: the fund portfolio is unreasonable.

Some investors like to buy more than one fund when they buy funds. They think that buying funds can spread the risk of funds, but they all buy the same type of funds, and the stocks with heavy positions are the same. In fact, they can't achieve the purpose of diversifying risks.

Reason 2: They all invest in high-risk fund types.

There are different types of funds, and different types of funds have different benefits and risks, among which the risk of money funds is very small. If you buy a money fund, the possibility of loss is very small. If you buy stock funds, hybrid funds, index funds, etc. , are all high-risk fund types. Buy more, the risk is greater, and the possibility of loss is greater.

Reason 3: I don't understand the fund.

Although the fund's past income is positive, such as the past month, the past three months, the past year and so on. The fund will go up and down every day. If it is a fund with relatively high risk, it will basically fall, just saying that a good fund will rise more and fall less.

Reason 4: blindly follow the trend

See which fund has a good rally, high heat and many buyers, and it will follow suit and know nothing about the fund. This is easy to cause losses, because funds with good rebound, high heat and many buyers are popular, but buying at high points may also be risky.

How is it that you always lose money when buying funds?

First, there is no careful screening of funds.

Which one is pleasing to the eye, or which one is better, or even which one is recommended by others. Most of these will lose money. Buying a fund must be screened according to the screening indicators, mainly depending on the historical performance of the fund, the historical record of the fund manager, the maximum withdrawal rate of the fund and so on.

Second, frequent operation.

Sell at the first sign of trouble, or buy with the wind. If you accidentally miss the trading days with the highest increase, the investment income will be greatly discounted, which is why even if you choose a good fund, the income is not much.

Third, there will be no stop loss.

Taking profit in time can avoid accidents, and stopping loss in time can avoid more losses. After buying a fund, you must set a stop-loss and profit-taking point in your mind. Most of this stop-loss and profit-taking point is set within 30%. When the market is bad, it can be set at around 10%. Sell it in time at the stop-loss and profit-taking point.

Four, staring at a fund

Everyone knows the reason not to put eggs in one basket, but in practice, many people either buy only one fund or buy multiple funds, but they can't achieve effective diversification. This is either excessively dispersed or seemingly concentrated.

Fifth, the timing of buying and selling is wrong

It is an eternal truth to buy low and sell high, so when buying a fund, try to buy it at its low level, not those funds with low net worth, but to see whether its current net worth is in a lower position through the historical net worth of the fund. If there is, buy it. If it is in a higher position, don't buy it. It's easy to buy at the top of the mountain.

It is normal to lose money by buying funds, but if you buy a lot of funds and lose money in the fund market for a long time, then you need to change your personal investment strategy. Either you are not suitable for investment and financial management, or your investment strategy is wrong.