Let's take a look at a fund expert's statement: don't believe those "brick experts" and news, saying that the fund should be held for a long time. First, you should trust your own judgment, believe in your feelings for a period of time, and make your own correct judgment. When the fund in your hand makes a profit of 30%, throw it out quickly in the process of rising, and then put the principal and interest into the top five fund of the next fund, preferably in the process of falling or plunging. Achieve the effect of rolling interest, falling into the bag, and making short-term profits.
The investors of this fund are all veterans of investment funds, and their own judgments can be more accurate. However, for some investors who are new to the fund market, it is very necessary to correctly understand the long-term holding of funds.
Long-term holding funds
Many fund companies and companies are vigorously promoting that "funds should be held for a long time, and only by holding for a long time can they achieve ideal expected annualized expected returns".
The theoretical basis of long-term holders is:
1. No one can accurately predict the future trend of the stock market. Everyone wants to sell all the funds and stocks at the highest point of the stock market. But do you know where the high point is? Where is the lower point? Often come and go is often the reserve price to sell, the top price to buy. When is the best time to buy and sell? This is really a difficult problem for an ordinary investor. From the perspective of long-term investment, as long as the overall economic situation has not fundamentally changed, timing is not the main issue.
2. Long-term holding and operating costs are low. The purchase and redemption of a fund generally bears the transaction cost of 1.5% to 2. %, which is not a small cost for investors. Long-term holding can avoid frequent transaction costs and even reduce redemption fees, which will give investors more returns invisibly.
The market will not go up forever, nor will it go down forever. The investment cycle is like the alternation of cold and summer, which will be repeated in the short term, but the long-term growth trend of the market will not change. If we pay too much attention to the short-term effects, we will miss the profit opportunities. We must see the sustainability of net worth growth and establish long-term investment confidence. We can neither be tempted by the short-term expected annualized expected return, nor be intimidated by temporary risks.
4. Whether at home or abroad, there are a lot of examples and historical data to prove that long-term holding is the trick to make money for fund investment.
So is the fund held for a long time?
Whether the fund is held or not is the same as buying and selling stocks, but the fund is scattered and the risk and fluctuation are relatively small. Of course, when the stock market goes up, funds tend to go up, and when the market goes down, funds will also go down. The key is to understand the fund you invest in, what is the investment target, and then understand the future trend of the target. Make your own judgment.
Generally speaking, index funds are not suitable for long-term investment. Other stock funds and bond funds are suitable for investors who don't know much about stocks, but the specific risk varieties are suitable for investors with different risk tolerance. When buying a fund, the relative position of the market becomes very important for the long-term expected annualized expected return in the future.
Introduction reading
Introduction of Energy Internet Theme Fund 2065438+June 2005
20 15 buying a new fund or an old fund in a bull market requires only three moves to get on the road quickly.
2015 June 10 fund investment needs to know: new fund issuance and fund dividends.