In the fund market, 80 1% of investors' investment duration is less than two years, that is, 80% of investors give up within two years. There are many reasons, but most of them come down to losses and unsatisfactory returns.

Even some investors have made a fixed investment for two years, and their accounts are still losing money. This result is worse than the bank's stable financial income. Buying a bank to manage money can earn at least 3 or 4 points a year. In this case, is it necessary to continue to vote?

If you invest in other equity funds, you need to re-examine the target of investment. Maybe the fund you chose is really bad. If you invest in index funds, you can continue to insist.

From 2065438 to February 2003, the market was around 2500 points, and the overall valuation of the market was not high, which already had investment value. At this time, the risk of entering the market should be small. If you start investing in index funds from then on, the market will continue to fall to 1800 in June, and your account will lose money. However, because of the fixed investment, the floating loss can basically be controlled within 10%. Will be lower than the one-time investment loss. By the second half of 20 14, the market will fluctuate around 2000 points.

At this time, many people can't help it. After taking it for more than a year and a half, I still lost money. At that time, I bought Yu 'ebao with an annualized income of 4%, so I might as well sell it.

If you really sell it at this time, you won't have a chance to enjoy the benefits brought by the next bull market that rises to 5000 points. In the case of completely covering the loss, the account income will be doubled directly, because you have accumulated enough chips in the early stage.

In the process of fixed investment of index funds, there are really few people who can persist in the case of losses. According to statistics, more than 70% people gave up in less than a year.

Moreover, the return of the Shanghai Composite Index itself is relatively low, and other better index funds I bought have more than tripled. Looking back at this time, since 2003, the annualized income of fixed investment index funds has exceeded 20%.

Therefore, the long-term average annualized return of index funds 10% is completely achievable, and it will indeed lose money in bad years, but if you persist, the return will still come.

During the period from 2004 to 20 19 15, there was a decline in half of the years, and the year with the longest decline was more than four years, and the big bull market with continuous rise only appeared twice. Short bulls and long bears are the characteristics of the stock market.

In other words, when we buy index funds, it is very likely that they will fall for several years in a row. When the market falls as a whole, there may be continuous losses in fixed investment, but our previous losses and overweight are only waiting for the harvest when the bull market comes.

Therefore, the index fund is an investment that needs patience, and it may take a long time to wait, but then it will definitely make you enjoy the joy of harvest.

For many small whites who have just come into contact with index funds, it is really difficult to persist for a long time. Remember: fixed investment is a long-term thing, and short-term changes will not have much impact on long-term results. So no matter how fast the market changes, it is better to face it calmly. Rose in harvest season.