Analyze what is the most important thing in fund investment

What is the core factor that determines whether you can make money by buying a fund? Is it the best time to buy? Is it to buy a good fund with a consistently leading performance ranking? Or do a good job of asset allocation at the beginning? Today Xiaobian will share with you what is the most important thing in fund investment, for your reference only!

a good fund and a good opportunity are all false propositions to some extent. They are either a posteriori indicator, or they need to look at the rearview mirror and drive forward. On the road of investing in funds, we can constantly improve our majors and methods to make ourselves do better in these two aspects as much as possible, but these two points are not the core influencing factors for ordinary investors to make money by buying funds.

what is the most important thing in fund investment/the core factor that determines whether our investment fund can make money? The answer is standardized or reasonable investment (investor) behavior. The so-called "who tied the bell" is the one who tied the bell. The key to whether we can invest in funds to make money is not external, but just ourselves.

Correct investment behavior

1. Control your emotions

No matter how rational a person is, he will lose a month's gain in one day and lose a year's gain in one week, and he will also be in a bad mood and have emotions. It's just that investors in different segments have different ways to deal with emotions. We should learn to put our sensibility and deal with it in a more rational way.

We always complain that funds don't make money, and even complain that fund managers are poor, but we don't complain about ourselves. In fact, many mistakes and not making money are caused by our emotions.

After all, everyone who buys a fund wants to buy at a low point and sell at a high point, but it always backfires. What you think of as a low point may be just halfway up the mountain, and what you call a high point may be really high. But even so, I still hope to be higher.

Therefore, when buying funds, we tend to fall into fear and greed. Those who buy funds at 3 start selling funds at 27. That is to say, when the market goes up, we keep buying funds because of greed, and when the market goes down, we keep selling funds because of greed.

don't buy and sell funds based on their performance within a few days or even three months. If a fund makes money and a fund loses money, investors will often redeem the products that make money, but keep the products that lose money, hoping that it will return to its original capital and make a profit in the future, and the book loss will not become a real loss because of redemption, so it will not affect the mood. This is actually an escape, which is caused by the loss avoidance effect and disposition effect.

the strategy of fund investment is "matching stocks and bonds, diversifying investment, making the best replenishment and eliminating the last one". Don't make the mistake of overconfidence, and always try to predict the market. The biggest response is position management and control, that is, "never Man Cang, never short positions".

2. Don't chase up and kill down. day trading

Chasing up and killing down is never a static process. It consists of two steps: "buy too little at a low point (including not buying)" and "buy too much at a high point".

buying less at low prices will not make us lose money, but will only make us less money after the market rises. However, this feeling of making less money will force you to continue to invest more, because you will not be willing to earn less than the people around you or earn so much when the market is so hot, which will lead to "buying too much at a high point" and eventually form an inverted triangle and inverted pyramid jiacang. Therefore, the investment behavior to avoid chasing up and down should include:

(1) Don't buy too little at a relatively low market, at least set up half of the funds for the investable positions, and gradually fill the investable positions according to the market situation;

(2) Don't buy too much when the market is relatively high. Holding the base is the best operation.

Buying too little at a low price will only make you earn less in the near future. Buying too much at a high price may lose money in the short term, but you may also make money over time. But if you buy and sell, day trading, the final result can only be that the gods can't save you.

Not daring to buy low points, chasing high points aggressively and running frequently are the most common mistakes made by ordinary people, because such an operation was the most comfortable operation mode at that time, and it was also the most humane, but it could not make us money, and even made us suffer heavy losses.

After buying a good fund, forget about it, then work hard and start a sideline business, and keep investing part of your sideline income and salary income in the fund to make the principal more and more. Finally, I found that the rate of return of my fund is good, which is the power of long-term persistence.

We should regard work as a tool to make money and fund investment as a tool to protect our property. That is to say, let your hard-earned money not depreciate.

3. Keep independent thinking

After the Spring Festival holiday, the market has undergone drastic adjustment, and the funds with heavy core assets last year have performed generally this year. However, the funds managed by a few fund managers who insist on independent judgment have risen against the trend.

Many fund investors like to listen to others' opinions, and follow others' advice. They rush in when others buy funds to make money, and blindly chase after the recent liquor craze.

chasing hot spots is a bit like chasing a kite everywhere. Running for a long time is not only tiring, but also can't make any money. Because hot funds are only hot for a while, they come and go like a gust of wind. And chasing hot spots, you will have endless hot spots, besides medicine and technology, there are consumption, finance, military industry and so on.

after chasing for a long time, you not only find that you didn't make any money, but also complicate buying funds. In fact, buying funds is not so complicated. It's not impossible for you to buy this theme fund, and it's not too bad to directly buy the long-term holding income of funds such as consumption and medicine.

From the experience of many outstanding investors, whether Zhang Kun, Xiao Nan or Chen Guangming, they all experienced difficult times in their life during the growth concept stock market from 213 to 215, but they all persisted in independent judgment and survived, and finally achieved the rose of time.

Schopenhauer said, "Only independent thinking is a person's true soul." For investors, only independent thinking is the cornerstone of stable and far-reaching performance.

4. Keep learning, practicing and summing up experience

First of all, fund investment should not have the mentality of getting rich in the short term. As a tool for long-term investment, funds can create reasonable returns through scientific investment, and we should not expect that investment funds can get rich overnight, otherwise it will affect the investment mentality.

Secondly, to establish the concept of long-term investment, high-quality Public Offering of Fund products can bring good returns in the long-term investment process. Although there will be fluctuations and retreats in an unfavorable market environment, through professional risk control and investment management, the fund is more likely to achieve a return on investment across bulls and bears. Investors should pay more attention to the effect of "compound interest" and invest in fund products with stable returns for a long time to realize the growth and accumulation of wealth.

Third, independent thinking and reverse investment are very important. Investors should keep learning, improve their professional knowledge and investment judgment, and avoid following the trend of investment. Especially for partial stock funds, when the market rises to a relatively high level and the risk is high, there will often be a huge issuance scale, and these products may face greater investment risks in the short term. On the contrary, at the low point of the market, When the products of partial stock funds are relatively flat, it is often a good time to enter the market, so homeopathic investment is not as good as reverse thinking.

The following investment common sense is also what we need to know:

1. Value investment earns two money, one is growth money, and the other is cyclical money, so value investment is not blindly holding shares. When the price deviates far from the value, it is the continuous moment when we take the initiative to attack (increase/reduce positions).

2. The fund investment should be "matching stocks and bonds, diversifying investment, making the best supplement and eliminating the last one";

3. Diversified investment means balanced allocation, active and passive, value growth, core cycle, etc., and try to be impartial;

4. Asset allocation and fixed investment are tools to overcome and correct our investment behavior;

5. The most important thing in investment is to avoid failure, not to seize every success.

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