Fund can be said to be one of the most suitable tools for ordinary investors.

First, there are professional fund managers behind every fund. Compared with ordinary investors, they have more experience in grasping the market and can help us invest in some unfamiliar assets. Just like thousands of stocks in Qian Qian in China, it is actually very difficult for new investors to choose, and fund managers can help us choose.

The second is to lower the investment threshold. Compared with many bank wealth management products or real estate investment, bond investment and other investment categories, the investment threshold of funds is very low, basically starting from tens of yuan. In addition, through appropriate combination, you can buy products that are not easy to buy, such as crude oil, national debt, shopping malls, office buildings (REITs), and more expensive stocks such as Maotai.

Third, diversify investment risks. Funds gather investors' funds, and every little makes a mickle, so they can hold more different assets. As we all know, "don't put your eggs in the same basket", the fund is to spread investors' money in different baskets, which greatly reduces the risk brought by investing in a single variety.

Fourth, it is suitable for lazy people to invest. Because there is a special fund manager in charge, investment funds are neither needed nor suitable for day trading, so it is more worry-free and labor-saving. Most ordinary investors are unwilling and have no time to study the development prospects and operating conditions of many companies. Choosing a fund manager and then choosing a simple fixed investment strategy is a relatively simple and good investment, which can guarantee a certain rate of return.

Of course, even so, there are still many people who have lost money in investment funds. What's the main problem?

Why is the fund investment losing money?

First, chase up and kill down.

This is the main reason. Fund sales platforms often recommend funds with the highest income ranking. This top-ranked fund has such a high return, which is often not brought by the personal ability of the fund manager, but because it has encountered cyclical rise or industry turmoil. At this time, it is often at a high valuation point. Therefore, although the fund is a lazy investment, it can't chase up and down.

Second, frequent buying and selling.

The fund is suitable for fixed investment and long-term investment, because the handling fee is relatively expensive, and it takes a long time to see the effect of fixed investment. Many investors invest in unstable funds and rush to buy and sell when they see some trouble in the market. Frequent operation will cost you a lot of money, not worth the loss.