Why do you always lose money by buying funds?

when buying a fund, many people fall as soon as they buy it, rise as soon as they sell it, and always lose money. When others are relying on the market, they can only sigh alone. So today Xiaobian is here to sort it out for everyone, let's take a look!

where did all the money lost by the fund go?

the money lost by the fund may go to other investors, because when trading, it is mainly the difference earned, and many people are buying funds, and everyone buys in different positions, so some people lose money, others make money, and this money is the difference. When they buy at a low level and sell at a high level, they lose money, while other investors buy at a low level and sell at a high level.

Secondly, some money may go to fund companies. You should know that fund companies need to collect management fees, no matter whether the fund goes up or down, they need to collect management fees, so some money goes to fund companies.

In addition, it is possible to go to the hands of intermediaries. For example, people can buy funds on third-party platforms, such as bank consignment, Alipay consignment, etc. Assuming that the consignment is on the bank, it is necessary to pay the custody fee to the bank, which is paid from the fund's property, and so on.

why do you always lose money when buying funds?

the fund itself is a relatively simple and easy-to-operate investment and financial management method, and the professional requirements for investors are not very high, because we have a professional fund manager to invest in us after we buy the fund. So why do you always lose money when you buy funds? The main reasons are as follows.

1. Trading is frequent, and I like to be a short-term fund.

The logic of making money is to exchange time for space. Generally speaking, as long as I hold a fund for a long time, it will probably rise, but the possible increase is not very large, and the expected return is low. As a result, some investors want to improve their expected returns by doing short-term, and multiply their expected returns through continuous trading, but they are often unsatisfactory. Instead of improving their expected returns, they lose their principal.

2. I like chasing up and killing down, and the time of fund trading is unreasonable.

No matter whether it is stock trading or fund trading, many investors like chasing up and killing down, buying in large quantities when the fund rises, throwing it out immediately when the fund falls, and always running behind the market changes, buying high and selling low, then they will definitely not make any money.

3. Unreasonable fund positions

First of all, from the perspective of funds themselves, there are different types of funds, and the risks of different types of funds are different. Some investors don't know much about funds, and all the funds they hold are high-risk equity funds, which are directly linked to stocks, which are greatly affected by stock market fluctuations, and the fund itself has a relatively large fluctuation range.

Secondly, from the perspective of the market direction of fund investment, there are many investors who, although not putting their money on the same fund, are invariably putting their money on the same industry. All the funds held are invested in the same industry. Once the industry is depressed, all the funds held will fall.

4. Like to chase hot spots and blindly follow the trend

Every once in a while, there will be some online bloggers, funds with high traffic or senior experts speculating on some hot spots. When investors see these news, they will blindly follow the trend without analysis, and once the hot spots pass, they will often fall behind.

what should I do if I lose money buying a fund?

After buying a fund and losing money, you should calmly analyze the reasons for losing money and see if you have made any technical mistakes. If you have any technical mistakes, you should sum up your experience and correct them in time. If the fund falls because of the influence of the market environment, then it is necessary to analyze whether the fund still has the value of continuing to hold or add positions. There are many times when the fund falls, it is an investment opportunity.

however, if there are some defects in the fund itself, or if there are any problems with the fund company or fund manager, then the possibility of subsequent rise is relatively small, so you can consider stopping the loss in time.

Investment is inherently risky, and profit and loss are common things in investment and financial management. No one can accurately grasp the trend of the market, only to reduce the probability of their own losses and reduce their investment risks to a certain extent.