It is said that investors are not good, but in fact, ordinary people are not much better. Theoretically, fund investment is safer than stocks, and the risk coefficient is relatively small. However, as a passive investment, funds can't make much money in this market. Even some professionals believe that it is more difficult to choose a fund than a stock, and how to choose a suitable fund has become a difficult problem for many investors.

As an ordinary investor, it is very likely that you will enter some misunderstandings when investing in funds, which will bring you great losses, so you must pay attention to avoid the following three points when buying funds:

1, go with the flow and get on the bus when you see a good market.

Good market conditions have a driving effect on investor sentiment. When encountering a bull market, many investors will ignore their risk tolerance, choose to follow suit blindly, and even invest in some fund products that are not suitable for them. However, the purchase of funds is not equal to bank deposits, and this risky investment behavior usually ends in despair.

In fact, people who are familiar with the changes in the fund market know that this is a common chasing behavior. We should know that the wind direction of the fund market is uncontrollable, but if we want to make money in the fund market, we should buy down instead of buying up. The real right time to get on the bus should be to buy at a low price in the bear market and sell at a high price in the bull market, so as to get the maximum return with the least investment.

2. Too frequent transactions

Many people don't do their homework before buying funds, and even more, they substitute the habit of speculating in stocks into the process of buying funds during the practice. But, you know, buying a fund is not the same as buying stocks. Capital needs long-term investment and long-term holding, and the expected income will gradually emerge. Usually, there will be a handling fee for fund subscription and redemption, and intraday trading will inevitably cause losses in this regard.

Because the fixed investment of the fund has the characteristics of simple investment and strict discipline, it is also called "lazy investment". It is suggested that novices who have just entered the fund market can choose this investment method. Through the fixed investment of the fund, we can achieve the effect of investing in batches, smoothing risks and gathering sand into a tower, and avoid the investment psychological misunderstanding that low positions dare not buy and high positions chase more.

3. Blindly worship the past performance of fund managers.

Buying a fund is like taking a boat. A good captain can really guarantee Watari Wataru's success. So it is understandable that everyone wants to find an old captain with excellent skills. However, the reality is cruel. From the feedback of industry data, the performance persistence of stock fund managers is very poor, and the working years have little guiding significance for future investment returns. It can even be said that there is no significant relationship between investment years and expected return on investment.

A more important method to evaluate fund performance is annual inspection. For example, if a fund was established at 20 10, then you can look at the performance ranking of the fund in similar funds from 20 10 to 20 17, subdivide it into bear market performance and bull market performance, and compare its performance in different environments as one of the criteria for selecting funds.

Summary: No matter what kind of investment, there are certain risks, so everyone must first know their risk tolerance. Remember, investment cannot be done overnight, and it is rare to get rich overnight. Everyone should treat every investment rationally and cautiously.