The new citizen may have made a fortune in fund investment because he is not familiar with the market and has no mature investment system. But for the old citizens, although they can't say that they are comfortable with the market, they have been able to balance risks and benefits well. And we can find the problem by comparing it from several aspects.
Investment varieties
When the new citizen first entered the market, he might try to buy a little from each fund because of the advice of friends and financial managers or because he saw the major fund platforms. Unconsciously, he bought a lot of funds and held a lot of them, but he didn't know much about each fund, so he cast a wide net and made a fortune. This kind of investment is speculative, that is, making money by luck, while the old fund has been in the market for many years, and he is interested in the style of fund managers.
investment objective
The new fund will also set a goal for itself at the beginning of investment. As the market changes at any time, it is easy to deviate from the goal. For example, when the market is good, it can't wait to raise the original profit-taking target from 30% to 40%. Greed is insufficient, the market trend changes quickly, turning losses into profits, so it is concluded that the market is not easy to grasp and bad luck. For a mature old citizen, he will stick to his investment goal and will not change his investment strategy easily, and his investment discipline is very strong.
Investment mentality
When the market goes up, I think I can make all the money in the market. When the market fell, I was in a bad mood and didn't even want to work. This is the most common investment mentality of new funds. It is easy to make some irrational investment decisions because of emotional fluctuations, and the speculative nature of investment has also increased, and the luck component has naturally increased. For the old funds, they have experienced several ups and downs in the market, and they can maintain a relatively calm and rational attitude towards market profits and losses. Make a reasonable choice at the right time.
Investment period
Frequent timing, frequent buying low and selling high are the most obvious manifestations of buying funds and making money by luck. The market is unpredictable, and timing is the hardest part. Buying a fund is a long-term gain and trust, and the funds are handed over to a reliable fund manager.
Smart investors are patient, restrained, disciplined and studious in the face of investment, thus getting rid of the wrong stage of buying funds and making money by luck.