Now fund financing has become a trend, but from the data point of view, there are many more people who lose money. So today, let's take a look at why the fund always loses money. What should we do in this case?

Why do funds always lose money?

1 Too keen on chasing up and down.

Whenever the A-share market is excited, the subscription amount of fund shares will increase greatly. Whenever the market falls into a bear market, the fund share shrinks very quickly, and the basic people also like to chase hot topics, so the time to hold the basic people will not be too long. Very classic, in the bull market, the fund scale has been rising all the way. When it comes to a bear market, it falls madly. In fact, chasing up and down depends on speed. If we catch up late and run slowly, then we are proper leeks.

2 Superstition Champion Fund

When making a decision to buy a fund, the basic people almost always focus on the past fund performance. This is in line with human nature. First, inertial thinking, it is generally believed that the past excellent probability will continue to be excellent. Therefore, individuals often emphasize that the historical performance knowledge of funds as a reference cannot be the only criterion for us to choose funds.

Facts have also proved that the champion fund can not bring excess returns. The reason why the champion fund won the championship was because the position allocation was radical in that year, and the single track bet was absolutely heavy, and it hit the hot spot of that year and won the championship in one fell swoop. And this is often unsustainable, because the industry's way out will be greatly rotated.

3 fund manager

Fund managers are also a part of the market, with many weaknesses such as style drift, overconfidence and blind conformity, and their performance is difficult to sustain, but this is also related to the A-share market environment. 65.438+0.9 billion investors are fighting in the casino, and the ups and downs are very fast. High volatility makes the stock market jump up and down, making it more difficult to invest.

In fact, there are still many aspects that will affect the profit and loss of our fund. What we have to do is to choose the fund as well as possible. If we can't choose a fund, then we can choose a suitable index fund. Then adopt the method of fixed investment, buy with fixed investment when the market is not good, and stick to it.