Let's talk about when the market is good. For example, in March 2020, I bought a Xingquanrun hybrid fund, and the income was 75%, which was less than 30,000 principal, and I could earn 20,000 a year. Is it tempting? More attractive are 202 1 and 1, which are rare golden months in the history of the fund. I have 654.38 million yuan, and I earn more than 1000 a day, so I can get 20 thousand yuan a month, let alone a year.
Let's talk about when the market is bad. The first day of the Spring Festival this year to the end of March can be said to be another appalling Waterloo in the history of the fund. At the end of last year, a colleague of mine saw that everyone's fund earned a lot of money, so he was rubbing his hands. On the first day of the Spring Festival this year, he ran into the stadium with 50,000 yuan. As a result, he plunged more than 30% in a month. In his words, "I wanted to make a future through the fund, but I didn't expect to lose it all today!" In fact, a colleague of mine was lucky enough to get the share of 202 1 and 1, and by the end of March, he almost paid back the principal and interest. (But I am glad that I redeemed more than half of the fund on the first day of the Spring Festival this year, which is a perfect profit-taking).
Therefore, the market situation is unpredictable for us and other grassroots people, just like a roller coaster. You are ruthless with garlic, you play with beans, and you are strong with the army. You're all singing that I was there, and it was a mess for a year or two.
First, compared with stocks, long-term investment funds are more reliable and can really make money. Those who clamor to buy funds to lose money basically enter the market at the wrong time, buy at a high point, and then panic when they fall, and stop when they fall. This is of course a loss. Buying a fund must be a long-term thinking, not afraid of short-term ups and downs. You see, although the fund fell sharply in February and March this year, didn't it come back in April? This is the trend of one of my funds in April, with a return of 6.55%. It was negative 3.82% in March. I started investing in this fund in 2006. During this period, it experienced the stock market crash in 2007 and the stock market crash in 20 15. After being blown down, the fund also fell off a cliff. However, I didn't cut the meat out, but increased my investment when I fell sharply. In the end, not only did they all come back, but in two or three years, the average income exceeded 30%.