First, buy low and sell high frequently.
It seems that most investors can't avoid the curse of chasing up and down. The core reason is greed. Seeing the rising market, they are afraid of missing the opportunity to make money. They hope to seize the market immediately and share a wave of benefits. When the market fell, they were afraid of causing more losses and quickly withdrew. This is often the chief culprit for investors to make no money.
Second, pay too much attention to the fund market.
When you have a fund in your hand, you can't help looking at the market every day. Did you make money? Still losing money? In short, it is necessary to have a look to rest assured. In fact, the more you watch, the greater the impact on your mentality, and the more you want to do something to earn more income. In the process of paying attention to the market, you will also receive various explosions pushed by the platform. Seeing that other funds are rising so well, and seeing that the funds in your hands are always motionless, it is easy to lead to the early redemption of the funds you hold and replace them with other funds.
Third, I didn't consider my adaptability.
When choosing a fund to invest, most investors pay more attention to the fund itself, such as the performance of the fund, the ability of the fund manager and the fund company. Pay attention to the performance of the fund, but pay little attention to the adaptation of the fund to its own investment needs. When investing in funds, we need to consider asset allocation. The types of funds meet the needs of their own asset allocation, and the risk level of funds matches their own affordability, otherwise it will easily lead to a crisis of trust, which will lead to irrationality.
Fourth, treat the fund as a stock market.
Many investors in the fund market come from the stock market. They think that funds are similar to the stock market, so they can just look at the market, buy low and sell high. However, the fluctuation of the fund is not as big as that of the stock market. Other things being equal, the transaction cost of the fund is much higher than that of the stock market. If the stock market is used to choose the right time, day trading will not only not make money, but also increase the transaction cost, which will not be worth the candle. The setting of fund transaction fee is related to the holding time. The longer the holding time, the lower the transaction cost.
Fifth, excessive pursuit of the best trading point.
Every investor wants to buy at the lowest point in the market and sell at the highest point, so as to earn the highest market income. However, this is an idealized state, and market timing is the most difficult part of investment. It is suggested to hold funds for a long time in order to reduce timing, thus reducing investment mistakes caused by timing.
In fact, this series of reasons are greed and fear, insatiable greed and fear of loss. In fact, when the market falls, it is a good time for layout, because the net value of the fund is relatively low at this time, and investors can buy cheaper funds. That is, a fund with higher cost performance. Funds are the objects of long-term investment. According to the survey data of China Fund News, the longer the fund is held, the higher the income ratio will be.