What is the main reason why it is easy to lose money when buying funds? Have you ever encountered such a situation? When you pay attention to the market every day and the dynamics of the funds you hold, after a period of time, you find that you have lost money investing in funds. If you stare at the market every day, the more you want to operate, and you will see If you want to buy a fund that performs well, you will replace it with a fund that has relatively poor performance. If you go back and forth and deduct the handling fee, you may not make any money but lose money. The main culprit that causes you to lose money is short-term trading. First of all, fund application and redemption fees are in a tiered relationship with your holding time. There is such a rule in the trading rules of fund investment: In response to relevant requirements, if the redeemed fund is held for less than 7 days, the fund company will Charge no less than a redemption fee. The longer the fund is held, the lower the fees will be, and if it is held for a certain period of time, the redemption fee will be waived. Frequent transactions in the short term will increase transaction costs and reduce investment returns. Secondly, when many people start to make money or the market starts to fall, they redeem their shares in order to stop profits and losses, and then choose the opportunity to buy. We always hope to seize all opportunities to buy low and sell high to earn more. In fact, most people cannot grasp this point, and the market is unpredictable. Swing operations will lead to frequent short-term trading, making it easier to make mistakes. The more time you choose, the closer your probability of success will be to 50%. If you include the handling fee, you will still lose money. If we want to do a good job in fund investment, we must abandon the concept of speculation and short-term operations and cultivate the thinking of long-term value investment. If you want to invest well in funds, you must take a dim view of the market, be cold-hearted, and get rid of short-term operations.