Before buying a fund, I thought about holding it for a long time after buying it, because everyone said that holding it for a long time is more profitable. After buying it, I found that holding funds always lost money, and huge losses have been formed on the books. What should I do?

What if the fund always loses money?

Funds always lose money. Find out the reason for losing money first. If it loses money because of frequent short-term operations, then you can see the benefits of not short-term operations. If it is because of the bad environment, such as entering a bear market, the loss is normal. If you persist in the bull market, you can make money. If it is because the fund you bought is not good, you can't always win the market, which means that the fund's ability to make money is not strong and it can be sold in time.

What is the reason why funds always lose money?

1 day trading, after buying and selling funds, speculation into stocks, selling up a little, buying down a little, seems to be a very bullish operation. As everyone knows, day trading not only didn't make any money, but also lost a lot, because the fund income is not high, and the short-term operating fee is always very expensive. It is stipulated that investors who hold for less than 7 days should be charged a redemption fee of not less than 1.5%.

2 Don't buy a good fund, don't buy it cheaply, and don't buy it because of its low net worth. In fact, the historical performance and ranking of the fund are more important. If we want to really understand a fund, we can also start with the fund prospectus, understand the investment objectives, investment scope and investment philosophy of the fund, and then combine the historical performance of the fund.

Without profit-taking strategy, investors who can't make profits will often move from profit-taking mode to loss-making mode. Therefore, after buying a fund, you must learn to take profits and set yourself a profit-taking goal, mostly at 10%, 20% and 30%.

4 The position control is not good. If the market drops down occasionally, the investment amount can be increased appropriately. This is called reducing the investment cost, but don't invest all the money you should invest in dozens of issues with the radical mentality of bargain-hunting. Otherwise, the market continues to fall, ammunition will be gone, and the floating loss will be heavy.

If you always lose money when buying a fund, you must find the reasons from two aspects, one is your own reason and the other is the reason of the fund. In the process of buying funds, we should constantly learn the relevant knowledge and skills of funds.