The fund suggests a fixed investment, one can force himself to make a time deposit, and the other can earn a certain income steadily.
After setting the investment, you will automatically deduct the set amount every week or month, so you don't have to worry about it every day.
Funds are different from stocks, so there is really no need to stare at them every day after they are bought. Funds are invested by professionals in different stocks with our money. They will buy different stocks according to market conditions, and increase and decrease their positions. Moreover, the fund basically invests in several stocks, so the risk is greatly reduced.
In fact, I personally think that staring at the fund every day after buying it can easily affect my mood and make some wrong decisions. Funds have also gone up and down. If the market is not good for a certain period of time and the funds fall every day, we will be flustered if we always stare at the funds, and we will easily have the impulse to cut the meat. When I first bought the fund, I wanted to make a lot of money at first, and then I invested all my savings in buying the fund and stared at it every day. At that time, the market situation was not good. I see it drop by hundreds every day. After watching it for a few days, I panicked and finally made a stupid decision to cut the meat. In the end, I didn't make any money and lost thousands. Later, it was proved that I was wrong to cut meat, and the fund soon rose again.
Buying a fund now is relatively stable. I don't really watch it. I usually make a fixed investment, and invest several hundred yuan every month, so as to extend the investment time to half a year and then set it longer. Facts have proved that it is good for a good fund to insist on fixed investment and hold income for a long time.
I bought the above-mentioned fund at the end of August 2020, and it also fell frequently during that time, but I just ignored it. In recent months, it has started to rise slowly again, and now it has earned a little.
Actually, it's not necessary, but few people can do it. They always want to see whether it is up or down today. This is human nature, unless you are busy every day and have no time to watch it.
The answer is definitely no!
(1) Why don't you stare at the fund every day?
1, investment is to liberate life and release time.
We often say that "managing money is managing life" and "buying a fund is looking for a schoolmaster to help us manage money with a small amount of money", all of which are aimed at liberating our lives, freeing our own time, and giving ourselves more time to enjoy life and spend with our families.
When you start buying funds, choose products that you trust. After choosing, trust him. As the saying goes, "If you don't buy a suspect, you won't doubt it after you buy it."
The fund manager's strategy of opening positions, plate rotation and net value rise and fall will take some time to reflect.
To invest in a house, you have to pay the down payment first, then hand over the house, and then decorate it. It takes several years to buy and sell it. Investing in shops, doing business, paying rent, hiring people, taking time to make reputation and attract people, will take several years.
Why don't you have the patience to invest in a fund 1 year or even 3 months?
(2) What should I do if I can't help staring every day?
There are often some small white investors wandering around the WeChat group, visiting forums and consulting experts.
Investment has always been regarded as a very personal matter. Even with the key to investment, everyone's principal and risk tolerance are different. The operation of others is only a suggestion at most, and you have to cross the river and try it yourself.
If you can't help staring at a product every day after buying it, there may be some minor problems. You can try the following four suggestions:
1, read more classics and establish a healthy investment mentality.
The simple truth is very simple. Why are you nervous and worried? Just because you haven't seen them before. Read more classic books (many books are recommended online, such as those written by Peter Lynch, John Berg, Buffett and Charles Munger. ), see the successful experience of others, sum up and think more, and establish a healthy investment mentality.
2. Sort out the purpose of investment.
There is a "motive" behind every sum of money. When starting an investment, you must understand the purpose of this investment. What do you want to achieve? How much money are you going to spend (time, principal, volatility, etc.) ) to achieve this goal?
3, the position should be reasonable, to avoid being swayed by considerations of gain and loss.
Of course, many times, if you find yourself always being swayed by considerations of gain and loss, it is likely that the position control is unreasonable.
4, do a good job in capital planning, earmarking.
(3) When will the audit be conducted?
1, according to time frequency
About three months. About 3 months, you can probably see a fund investment idea. After holding it for 3 months, listen to your inner feelings. Are you happy, depressed or speechless with this product? Often your heart will guide you to make the next choice, not what the outside media say.
2. According to market fluctuations
You can see the performance of holding funds according to the fluctuation of the index around 3%. Is it more or less or more or less? Observe it several times in a row, and you will have new choices.
To sum up, financial management is actually managing life. I have spare money now, and I can make some reserves for the future by investing in some wealth management products, so as to avoid future shortage, just like animals hibernate and hoard food. Since it is for the future, don't stare at it every day. Fluctuation will affect mood, mood will affect judgment, judgment will affect decision-making, and irrational decision-making will affect final income.
There is no need to stare, but most people can't help it, including myself.
Staring at telling the truth every day will panic, panic if it rises, panic if it falls, which will affect the mentality and cause unnecessary operations. After all, fund managers don't have our major, and they will operate accordingly.
As far as I know, the return rate of frequent surgery is far less than lying down, and the reason for frequent surgery is mostly because of frequent medical visits. As long as the market is ok for the time being, there is no need to stare at it every day.
What can I say to the fund? Suitable for our long-term holding, there is no need to stare at it every day. Why do you say that? First, the fund is open five days a week, which means it is only open on weekdays. Moreover, there is a cycle for fund buying. Instead of buying today, you can sell it tomorrow, which takes at least seven working days. Second, staring at it every day is meaningless and a waste of time, because you can't judge its trend. So you try your best to put the useful time in a rewarding place.