Buying a fund generally suggests holding it for a long time, but if it fluctuates repeatedly for a long time, it may be better in the short term, although the transaction cost will be higher than long-term holding.

1, it's too expensive

Generally speaking, the subscription fee of actively managed funds is usually around 1.5%, and the redemption fee is around 0.5% at a time. Once in and out, there will be a redemption fee of about 2.0%. If you toss it twice, it will cost about 4%.

You may say that many platforms now have discounts. But you should know that the discount is the subscription fee, and the redemption fee is not discounted. Although the discounted subscription fee is only 0.6% or even lower, it is still scary to add up. If you are a troublemaker, have you really calculated how much it will cost to purchase and redeem yourself? If you think about the rate before changing funds every time, will it greatly reduce the number of tossing?

Buying a fund is not for day trading, but for making money, but the premise of making money is to learn to "save money" and "support the foundation" first. Buying a pedestal really can't stand the toss. In the case of investment funds, "diligent people" are not necessarily winners.

2. Time-consuming

It is said that the stock market is like a battlefield, and it is not so easy to miss a good opportunity and wait for the next one. However, selling funds often takes "T+ 1 trading day" (t is the redemption date) or even "T+4 trading days" to succeed, and buying funds usually takes "T+ 1 trading day".

I suggest you hold the fund as patiently as possible after buying it. If this mountain is looking at another mountain, you will be depressed when you see the fund's net value callback today, and you will be in high spirits when you see the net value rise tomorrow, which will be controlled by market fluctuations and often waste many good opportunities in the long application for redemption.

3. It needs energy

Frequent tossing means chasing up and down, and the most difficult thing in this process should be your mentality. Investment funds emphasize long-term persistence, and only in the relatively long-term investment process can the risk of market fluctuation be greatly diluted; Only in this way can you fully share the dividend of market economy growth. If you are led by the market, it will be "laborious", which will not only affect your work and life, but also lose the original intention of investing.

Funds are not stocks. For open-end funds, there is no difference between price and value, unlike stocks, which are affected by supply and demand. Is determined by the performance of the fund manager. So, how about frequent subscription and redemption of funds? In the United States, 90% of investors regard pension as the purpose of investing in the same fund, and basically follow the principle of long-term holding.

Funds are not stocks. For open-end funds, there is no difference between price and value, unlike stocks, which are affected by supply and demand. Is determined by the performance of the fund manager.

Even if you go to the "fried band", it is not easy to do well. Some institutions have done a statistic. On July 5, 2007, the market was at a stage low, and the number of subscriptions for a fund was 566; June 65438+1October 65438+June 2007, the market was at a stage high, and the number of fund redemptions was 1540. How many pens can buy low and sell high at the same time? There are only two strokes, which proves how difficult it is to accurately grasp the fluctuation. For most investors, it is a reliable way to choose a good fund and make long-term investment.