The word financial management is familiar to many people, and funds have become a relatively popular product in recent years.

Not only that, even the stock god Mr. Buffett has publicly recommended index funds. In his words, an investor who knows nothing but firmly holds index funds will eventually be able to defeat professional investors. This is

This is the charm of index funds.

However, perhaps you have also discovered that even though the market conditions have been good in the past few months, the return rate of funds selected by individuals has always been unable to outperform those of professional investors, and even their portfolios cannot outperform, which is really disappointing.

sad.

So, when it comes to fund management, should you select and buy funds by yourself?

When it comes to fund portfolios, should we really buy them with others?

What is the most correct way to buy funds?

Today, let’s talk about fund management.

1. When buying funds, should I select and buy funds by myself?

First of all, if you are new to financial management, you will be confused about choosing funds and buying them. This is normal. There are thousands of funds in the market. It is definitely impossible for us to choose one by one.

So, what should we do at this time?

Personally, I think that before buying a fund, the most important thing we should do is to buy two professional books and take a look.

In these professional books, some broad-based funds, namely index funds, will be recommended.

As long as we buy this kind of fund, the rate of return will be very good over a long period of time.

Of course, for those who have been investing for several years, it may be unrealistic to choose funds by yourself.

why?

Because, as ordinary people, even if the fund we choose can rise, in the end we will not be able to hold on, so we will sell it early and then take it back at a high level. We have seen this kind of thing too many times.

2. Should you really buy a fund portfolio with others?

In fact, in the past six months, Xiaopang has been studying other people's portfolios. The reason why he studied is because although the fund he purchased before made a profit, the final profit rate of return was still not ideal.

To put it bluntly, ordinary people definitely want to make more, but because they do not grasp the point and time of selling correctly, they sometimes miss some opportunities to make money.

Personally, I feel that we can follow other people’s fund portfolios and buy them, because many people are relatively professional and will consider risks in their portfolios and even allocate various funds. In this way, the chance of loss will be small.

If there are many, the chances of making money will naturally be much greater.

The most important point is that these professionals know when to sell and when to adjust positions better than ordinary people.

Isn't this equivalent to finding a professional financial advisor?

In this way, ordinary people can worry less. They only need to follow the investment every month and sell at the point you want. Isn’t that great?

3. What is the most correct way to buy funds?

Strictly speaking, it doesn't matter whether you buy a fund yourself or someone else's portfolio.

Because, in the long run, the entire market will definitely continue to move upward. In this way, our fund will naturally make profits in the future.

However, many people not only fail to make money, but also lose money. Why is this?

The main reason is that many people make funds short-term, that is, frequently move in and out quickly. In this way, not only do they not make money, but they may also lose money, because there will be a handling fee for every transaction, which is really not worth it.

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Therefore, the most important thing about buying funds is that after identifying a fund, hold it for a long time and make regular investments from time to time to lower our buying costs.

In this way, when the fund rises in the future, we can all make money easily. However, it is really difficult to persist, and many people have lost on this.

Judging from Xiaopang’s experience, we can divide the money we intend to invest into two parts, one part to choose the fund ourselves, and the other part to invest in other people’s portfolios.

In this way, if you compare them after a period of time, you will find certain differences. This is the reason and reason for the existence of other combinations.