Taboo 1: borrow money to speculate in funds
Many new citizens enter the market because they see that everyone has made money. For example, a colleague is a fund expert and earns 20% a year. Some people think that now I borrow money through the bank, and the cost is 8% per year. If I earn 20% a year, after deducting bank interest, I make a net profit of 12%. This is a great thing and a waste of money. It should be understood that fund investment is a kind of equity investment. While making money, it may also cause a large loss of principal. If the buying time is wrong, the stock market is not good, and the loss of the fund held is a high probability event. If the loss is 10% and the bank interest is 8%, it will cause a serious economic burden. Therefore, speculative funds are speculative with idle funds, not borrowing money.
Taboo 2: daily trading funds
After some investors enter the fund market, they like to chase up and down like stocks. As a result, the transaction cost of daily trading fund is much higher than that of stock trading, and all the money earned contributes to the subscription fee and redemption fee of the fund.
Taboo 3: Unable to effectively understand the fund risk.
Different from bank financing, fund investment is easy to cause principal loss, such as stock funds and index funds. It belongs to equity products. Many investors who participate in bank financing used to protect the expected income, but they are not suitable after joining the fund army. In fact, they did not effectively understand the investment risks of funds.
Although the fund is good, but the fund also has a big taboo of speculation, investment funds can not be cautious. Tips: Financial management is risky, and investment needs to be cautious.