Investing in funds seems to be a lazy practice, because funds are operated by experts, which is equivalent to investing in the asset market instead of themselves. However, lazy people in investment funds should pay attention to the fact that the meaning of lazy financial management is extremely rich. They should have lazy thoughts but avoid lazy behavior, so they should try to avoid the following four misunderstandings.

● Myth 1: Lazy people don't need to compare financial management.

Most lazy people think that in the face of all kinds of funds in the market. As long as you listen to your friends' opinions, look at the recent introduction and get a general understanding of the market, you can invest in the fund.

Improvement method: we must focus on the selection and compare the background, past performance, product type and operation convenience of fund companies in advance. Finally, choose excellent fund companies to maintain full trust in their products, so that lazy people can reduce the comparison of similar products in future financial management and accelerate the progress of laziness.

● Myth 2: Lazy people don't need to plan their finances.

Some people say that I am lazy in financial management. I chose a fund company. I just need to buy all my money for its fund products, regardless of the advantages and disadvantages of these products. Indeed, this kind of financial management is lazy enough, but unplanned purchase can only make your own funds in a more disorderly state. Finally, laziness is enough, and money is chaotic.

Improvement method: make a financial planning, and buy financial products such as stock funds and money funds according to your actual situation and future expected income, so as to complement each other in the long and short term and be lazy but not blind. Usually excellent fund companies have professional investment consultants to help them make plans, which is a good way to be lazy.

● Myth 3: Lazy people don't need to change their financial management methods.

"Afraid of boredom" is just one of the manifestations of laziness. Lazy people don't like to always pay attention to their fund accounts and don't like changes. However, financial management needs its ever-changing fund allocation to achieve the optimal combination.

Improvement method: Lazy people should choose the operating tools that can bring them the most convenient fund investment, and can always strengthen the monitoring of fund products in a relaxed environment. For example, the online trading system of Huaan Fund Company provides powerful functions such as fund conversion, appointment trading and regular quota. It can make it easy for people to manage their finances without always caring about market trends.

● Myth 4: Lazy people ignore small expenses in financial management.

Many people say that I have the concept of investment fund, have a plan for funds, can be lazy appropriately, and do not need to control daily expenses. This is another mistake: excessive spending of small money is often a blind spot in financial management.

Improvement method: make small money with money fund.

Lazy people who have invested in money funds will find that money funds are free to purchase and redeem, and their liquidity is second only to demand savings, but their yield is higher than the after-tax deposit rate of 1 year. If you have a small amount of spare money, you can buy a money fund. Although it is small money, after all, many a mickle makes a mickle.