There are always some new investors who are very nervous when they first start investing in funds. More than half of the people who ask me for funds in the background belong to this type.
As soon as the stock market rises, you can tell me how much the fund has risen during this period.
When the stock market fell slightly, he asked me if I should change funds.
The fund itself has a great advantage, that is, it can avoid the influence of emotions on us when investing. If you still stare at the fund every day, you will waste this income.
Anyone who makes any investment knows that you can buy at a low point and sell at a high point to make money. But knowing doesn't mean you can do it.
The key reason why we can't do this is the influence of investment sentiment.
Therefore, when many people speculate in stocks, when stocks fall and prices are relatively low, they feel very confused and afraid to buy stocks. Even if they buy stocks, they may cut their meat and sell them.
When stocks go up, I should buy stocks and sell them. But I feel that the investment is too low and I don't make much money. Instead, invest more after the stock rises.
The original idea of buying low and selling high has become selling low and buying high. Of course, there is no way to make money.
Because the fund has set a relatively high transaction fee, it is impossible to buy and sell stocks in such a short time. It is this feature that greatly reduces the trading frequency of funds, thus reducing the impact of emotions.
Therefore, the fund itself is an investment that does not need to be seen.
The best way is to vote.
Set a monthly or weekly purchase amount, regardless of the price, just buy or not.
So don't look at it when you buy it.
When you find that the stock market is very hot and everyone is discussing this topic, you can start reading it.
See when the value of your fund reaches the point you set. You can sell it at once.
Therefore, the investment funds are basically just looking during the wheat opening period.
If you buy a fund, it is not recommended to always pay attention to the rise and fall of the fund, because there is still a difference between the rise and fall of the fund and the stock. The position composition of fund products comes from multiple stocks. Because the fluctuation range of each stock is different every day, the fluctuation range of the fund will not be particularly large, but the stocks are different. The stock will fluctuate within the range of 10% within one day due to the influence of some news or policies, and the fluctuation range is still relatively large.
If once you buy a fund, it is recommended to manage and check the frequency of holding positions from the following aspects:
If you buy an index fund, if you have a high probability, you will hold it according to the strategy of long-term investment and make a fixed investment on dips. Therefore, it is recommended to check the frequency of fund positions in a week or so.
If it is a purchased stock fund, the frequency of checking the fund position will be more frequent, and the ups and downs of the stock fund will be checked every 2 to 3 days, so that we can sell or continue to buy.
It is also important whether the fund we buy is a closed-end fund or an open-end fund. If the fund is in a closed period, there is certainly no need to check the income frequently, because we have no way to redeem it; If you buy a non-closed-end fund, you can use the 1 strategy to check the position income.
If the funds to be invested are mainly index funds, the holding strategy of index funds is value investment. Since the opening of the A-share market, the Shanghai Composite Index, the Shanghai-Shenzhen 300 Index and the China-Shenzhen 500 Index have increased by 2-3 times respectively. Therefore, there is no need to focus on the short-term rise and fall of funds for long-term investment.
Generally speaking, once a fund product is purchased, the frequency of inspection mainly depends on the type of fund purchased. If it is a stock fund, the frequency of inquiry will be higher, and it will be completed in 2~3 days. If it is an index fund, it is not recommended that the frequency is too high. When you make a fixed investment every week, you should check the change of the overall position yield in order to adjust the strategy of fixed investment.
Finally, it is very important that when buying a fund, we are adhering to a value investment. The most important thing is to stick to your own investment ideas and not be disturbed by short-term ups and downs. What we are pursuing is the income brought by long-term investment of funds.
I'm Du Ye? , the disseminator of value investment
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Since everyone bought the fund, they entrusted the money to institutional investors (fund companies) for management. What's the use of staring every day? There must be faith and persistence in making investments, especially when entrusting institutions. There must be two points: "trust institutions correctly" and "time will test".
1. Scientific research efforts are ahead, not input. The most important time investment in investment is before investment. It's time to really spend time doing research before deciding to invest. It's a little late to stare at continuing learning after investing, which is also putting the cart before the horse.
Before investing, it depends on whether the investment direction conforms to the trend that does not conform to the general trend, whether it is possible to promote the general trend and predict the future. It depends on whether the investment team has the foresight and precise operation ability ahead of other teams. These two points are things that have been deliberated and judged carefully before investing.
2. After the investment is completed, if it is not a fund that can be redeemed at any time, if you buy a closed-end fund, there is no need to look at it again during the closed-end period, because even if the trend judgment and forecast are different, you can't interfere with the operation. After the closure period, your main observation is, what is the gap between the fund performance and the forecast? Are these differences due to the ability of the investment team? Or is it the short-term impact of the general trend? If it is the former, observe it for a period of time. If the performance continues to be poor, then clear the position and stop the loss in time. If it is the latter, wait for time to give you a correct judgment.
The most taboo of investment is that you can't persist, especially if you can't persist correctly. Just like Monkey King Thrice Defeats the Skeleton Demon, many non-professional investors see the illusion, and like Tang Priest, they can't see the essential problem. "Will buy or not sell" is the fundamental reason why retail investors can't make money. Since institutional investors have been entrusted, as long as their monthly investment reviews are logical and correct, they should continue to believe.
4. When you stare at the trend of the fund every day, it is easy to be misled by all kinds of gossip, and it is easy to pick up the mouse and change it. Having done this test in psychology, people will involuntarily deny themselves instead of believing in themselves. Rome was not built in a day, and investment did not skyrocket or plummet in a short time. In this regard, Buffett said, "If you are not prepared for 10 years, then you should not hold him for 10 minutes".
Investment is a process of psychological self-torture and self-cultivation. Set your own retreat point, and when you reach the psychological expected loss, you should lighten up your position. If the fundamentals and general trends have not changed, we must stick to it.
The essence of buying a fund is indirectly investing in stocks, but the actual operation of the fund is different from that of stocks. So if you buy a fund, do you have to stare at it every day?
Whether buying stocks or buying funds, it is unified on the trading day. Similarly, every Monday to Friday, the state designates holidays to rest and the stock market is closed.
If you buy the floor fund, the floor fund can see the real-time increase and update. However, the selling rules of on-site funds are also T+ 1, and you can buy them at any time.
Buying a fund is different from buying stocks. If you buy a stock and have a habitual short-term operation, then you really need to keep an eye on it. If it is a long-term shareholding, there is no need to stare at it every day.
The same is true of funds. In Public Offering of Fund, the net value of the day is generally updated after the market closes, and the increase or decrease can be judged according to the positions held by the fund.
Personally, I don't think it is necessary to stare at the fund every day, but I can pay attention to the trend of the market and the trend of the stocks holding the fund.
Fund is a kind of investment portfolio, which is divided into money fund and stock fund according to different risks. Low-risk and low-yield capital preservation funds determine the income according to the length of time, and there is no need to stare at it every day after purchase. High-risk funds with uncertain returns can adopt the method of fixed investment when going down, which can spread the cost. You can check the fixed investment regularly. If there is a rise to make money and you see more and more wealth in your account, you can open it at this time every day to satisfy the happiness of real estate appreciation and enjoy happiness.
You don't need it. Buying a fund chart is an annoyance (more annoying than stock trading). How bad it is to watch it every day!