Analyzing these bad habits of buying basics is reducing your income

Did you lose all the money you earned by buying funds last year? Say good cow base, how to buy it and start to fall? I bought a lot of different funds, and as a result, the stock market lost money when it fell? Did you also encounter these problems? Today, Xiaobian will share with you that these buying habits are reducing your income, for your reference only!

the bad habit of choosing a fund

it is very important to choose the right fund. Many investors only buy funds based on short-term rankings or even follow Weibo's hot search, which is absolutely impossible.

If you choose a fund that is not suitable for you, you should consider the risk tolerance. If you want to buy a fund with low risk and an annual return of 6%, you can buy a bond. If you buy a stock by mistake, the hybrid fund may cause a large loss or a high profit.

1. Buy high and don't buy low

It is believed that the higher the accumulated net worth, the more the fund earns and the more powerful the fund manager is. In fact, the net value of the fund is just a record of the rise and fall of the fund every trading day, which has no meaning to the investment value.

There are still many investors who only buy funds when the stock market is rising, and they will hesitate when the market is depressed.

Many people will choose to buy funds with large gains, because the income looks very attractive. However, this is likely to be bought at the top of the mountain, and once it falls, there will be a greater risk of loss.

In fact, when the market drops sharply, it is a good time to buy funds. Because buying when the market is at a low level is equivalent to "picking up cheap", the risk of loss is smaller, and in the long run, the gains will be more.

when the market is at a low level, you can also make full use of the fund's fixed investment, buy a little, and when there is a big rebound later, the income will far exceed those investors who chase up.

2. Only look at the short-term ranking

Investment is a long-term thing. Only by persisting in holding it for a long time can you reap the roses of time!

as far as funds are concerned, the performance of funds with excellent historical performance may not still be good now, let alone those with excellent short-term performance?

For example, many investors flock to a certain type of fund when they see that the overall performance is good. However, we should know that funds are suitable for long-term investment, so when choosing funds, we should put medium and long-term performance in an important position. Funds with good medium and long-term performance can also reflect better management ability.

We should examine:

Short-term, medium-term and long-term performance (generally, short-term performance is 3 months, medium-term performance is 1 year, and long-term performance is 3-5 years);

See whether the performance ranking of the fund is stable in a long period of time (generally, the assessment period is more than one year)

3. Don't do your homework, and choose the base of Buddhism

No matter what situation the market is in, the performance of the fund is very different. Even in the same market environment, different funds bring different benefits.

A good fund, whether compared vertically or horizontally, will give people a refreshing feeling.

Therefore, doing enough homework before buying a fund and choosing a good fund can get twice the result with half the effort for our investment.

4. The more funds you buy, the better.

Buying more funds does not mean that you can diversify your risks. The key is to diversify your purchases.

if the types, styles and themes of the funds you buy are too similar, there is a greater concentration risk, and the ups and downs are easy to converge.

according to the individual's risk tolerance, you can choose 3~5, and the choice of 5~8 with a large amount of funds is enough to spread the risk.

so, what do you want to buy a fund for?

for active funds, the money is mainly given to the fund manager, so it is extremely critical to choose an excellent fund manager. Secondly, the market valuation is very low, such as buying in a big bear market, selling in a big bull market, and holding in the middle.

for index funds, it mainly depends on the rules of index compilation, the development prospect of the industry and the valuation of the index.

Bad habit of buying and selling funds

In fact, many new people entered the market years ago. You should know that it is normal for funds to lose money because they are not stocks. However, as long as the stock market stabilizes, the rebound speed of funds is also very fast, especially after a wave of market stabilization, the recovery speed of the fund's net value is often much faster than that of the index. From a medium-and long-term perspective, the greater the probability that you will gain more from the time you hold the fund.

1. day trading, chasing up and killing down

For some industry theme funds with fast investment rotation, appropriate band operation can be carried out at some time, but funds are not suitable for frequent trading like stocks.

on the one hand, there will be a certain handling fee when the fund is applied for and redeemed, which will cause the loss of income.

Especially in recent years, a new redemption fee has been implemented. If you hold a fund for less than 7 days, you will be charged a redemption fee of not less than 1.5%.

On the other hand, many people have weak timing ability, and the result is often counterproductive. The more they operate, the more they lose.

2. Fixed investment manually, always thinking about timing

Some investors approved the investment method of fixed investment, but they chose fixed investment manually. What do you mean? For example, if they make a fixed investment once a month, they will not make a fixed investment on a certain day, but choose the time to buy it when it falls. Is this effective?

judging from the results of fixed investment, it is not necessarily good or bad. If you predict that the fixed investment will be at the low point of this month, then you will buy more shares and the effect of spreading the cost will be better. But what if the pre-judgment is wrong? What if the market continues to fall after the fixed investment? Are you going to keep buying this month or next month?

to be honest, it is very difficult to choose accurate timing, even professional fund managers can't do it. What's more, if you really have this ability, why do you have to make a fixed investment? Seize the opportunity, isn't it better to buy at one time and earn more?

therefore, it is not recommended to make a fixed investment manually, but always want to choose the right time and buy the lowest point. Fixed investment is to avoid timing, "buy stupidly" and invest easily and simply. Don't complicate simple things, and the effect may not be good if you don't bother to say it.

of course, for on-site funds, such as ETFs, you can only make a fixed investment manually, but even so, it is not recommended to always think about timing, which is the embodiment of "greed". What's more, it was originally a good investment, but as soon as I saw the market picking up and rising, I thought about a shuttle and directly put the investment behind me. This is also wrong. Unless you are very sure that the market is coming, you will probably buy it at a relatively high level and have to bear large fluctuations.

Although the fixed investment is good, there are still some risks, so we should not be careless. When choosing a fund, we must do more research and comparison, choose a fund that suits us, and pay attention to the combination of different types of funds. In addition, after the market crash, it is often a good time to invest in the accumulated chips. It takes time to exchange income, and it is necessary to endure loneliness in order to get more.

Fund-related articles:

★ Choose a fund if you want to buy a fund

★ Four common ways to buy a fund

★ Three misunderstandings in fund investment

★ What are the characteristics of short-term wealth management funds

★ What are the principles in fund valuation

★ Why do funds fall in 221

★ Market analysis

★ Interpretation of foreign exchange basics.