The ideal is very full, but the reality is very skinny. Often, it is only after the fixed investment that you realize that the fixed investment is not only a technical job, but also a psychological warfare, where you are fighting with yourself.

In fact, many fixed investment experts are able to persist and make money through hard work. They have tasted the sweetness of the smile curve and developed a strong psychological quality.

But ordinary investors have generally only bought currency funds. Their understanding of funds is that funds that lose money are not good funds, and funds that make money are good. This is almost opposite to the concept of fixed investment. When undervalued, it is like the market is overwintering, but it is picking up money.

It's a good time to buy cheap chips, but you should be afraid to make money.

It is almost contrary to human nature. This is why fixed investment in funds can make money in the long term, but not everyone can play it. The opening words of Sun Tzu's Art of War: Soldiers are important matters of the country, the place of life and death, and the way of survival. They must be observed.

.

The principle is the same. Fund financial management is like fighting a war and cannot be started lightly.

In fact, many defeats are due to the failure to know ourselves and the enemy. Sun Tzu said: If you have no battle but temples, you have to count them as more; if you have temples before you fight, you have to count less.

More counts will win, less counts will not win, and what’s more, nothing will count!

If I look at it this way, I can see the outcome.

This means that before the battle, after careful analysis, if the conclusion is that our side has more favorable conditions, we have a greater chance of winning, and we will be able to win in actual combat.

On the contrary, if the chance of winning is small, you will know that it will be difficult to win even if you don't fight. But if you do almost no homework before the war and do not analyze our favorable and unfavorable conditions, then the outcome will be obvious even if you don't fight.

Therefore, before deciding to invest in a fund, you need to ask yourself a question: How much loss can I accept?

If your answer is that you cannot accept losses, then it is best to wait and level up before playing.

But in reality, everyone can't wait for fear of delaying making money.

Nowadays, before buying a fund, you have to do a risk assessment. I filled out a lot of ABCDs and became a conservative investor. When I placed the order, I found out that I could not buy stock funds. I consulted customer service and found out that my risk tolerance was too low.

It is suitable to buy capital-guaranteed products, which are very different from stock funds.

This reflects a serious problem. You do not understand what kind of opponent stock funds are.

Subconsciously, you cannot accept losses (defeats). The first reaction when filling out the questionnaire is risk aversion, but the fact is that the stock funds and hybrid funds you want to buy are considered medium and high-risk products and are quite powerful opponents. This is why

Later losses will lay hidden dangers. Once the fund loses money in fixed investment, it will be in chaos. It will no longer believe in any timed and quantitative plan. It is almost impossible to persist in fixed investment for several years. Most of them will cut off their profits in advance (failure to retreat).

Therefore, the prerequisite for participating in fixed investment requires three abilities: ● First, financial ability (sufficient food and grass), long-term spare money, and a stable job. Only when you have a stable job can you complete fixed investment according to a fixed time. In particular, you cannot withdraw funds from fixed investment at will.

When people are short of money, they want to take it out for consumption, which disrupts their fixed investment plans.

●Second, the ability to resist risks (with a strong heart). Risk assessment must be at least positive in order to withstand medium and high-risk investments. Although many friends around Cat Brother say that they are bold, they feel at a loss when they lose money. The evaluation results are inconsistent.

It may not be accurate, and the psychological quality has not really reached the level of active or even radical investors.

●Third, the ability to continuously learn (comprehensive quality). Fixed investment is not a brainless investment. Facing strong opponents, you need to implement different strategies and build different fixed investment portfolios to achieve the best allocation, such as 60% of bonds.

The fund + 40% mixed fund team allows the overall fixed investment to attack and retreat, and cooperate with different profit-taking strategies. In the meantime, we also need to watch the news, pay attention to economic and industry development, and maintain our own news sensitivity in order to basically

Can be called a regular investor.