So many people conclude that their luck is too bad, or that the fund investment is deceptive, or inconsistent with the fund investment, and so on.
Having such an idea means that you haven't really started investing in funds. Let's analyze the real reason why your fund fell as soon as it was bought.
Now, most investors start to buy funds through various channels on the Internet, such as Alipay, Tian Tian Fund, mobile phone trading software of securities firms, trading software of banks and so on.
The Internet does provide convenience for investors, and the speed of obtaining information is also very fast. Similarly, in order to obtain higher customers, this channel often pushes various explosions, with a yield of more than 50% or a performance champion.
Such funds are also very attractive, especially for new citizens, investors or people who have no investment plans.
Buying a fund only depends on performance, and it is likely to buy a fund at the top of the mountain, which is not difficult to explain why the net value of the fund you buy is more likely to fall in the market.
What are the characteristics of such funds?
In fact, this is mainly because:
1, most of them have just experienced investment enthusiasm.
Generally speaking, funds with top performance can rank in the forefront, most of which have just experienced investment enthusiasm. Catching up with the investment enthusiasm will bring about the rapid growth of fund performance. When the performance growth has been reflected, it shows that they have just experienced the investment enthusiasm.
2. The equity is highly concentrated.
This kind of fund also has an obvious feature, that is, the concentration of shares is relatively high, and it can react quickly when it encounters the market of the corresponding sector or theme. While the fund's performance is advancing by leaps and bounds, the risk of this fund is also relatively large, and the periodicity is relatively strong, which can rise or fall.
3. The fund valuation may be high.
The market sector is constantly changing, and large-cap stocks and small-cap stocks are constantly rotating. If you choose a good market that has just experienced a wave of rise, the follow-up is either overvalued or the market is no longer there. If you just buy at this time, even if the fund manager's ability is strong, it is difficult to continue the previous net increase, and the fund ranking will naturally decline.
4. The scale usually grows rapidly, which is not conducive to management.
This kind of explosion can attract you and other people like you. For example, some funds rank particularly high, which will bring a large number of investors, resulting in a rising fund scale, which may affect the flexibility of fund managers when investing.
In addition, if the fund scale has exceeded the fund manager's ability circle at this time, it will lead to the decline of fund performance.
For another example, some funds are characterized by innovation, but when the scale exceeds 654.38 billion, the advantages of innovation are almost annihilated, and the performance is naturally not as outstanding as before.
To sum up, when choosing a fund, we need to pay more attention to the long-term performance of the fund. Fund ranking is a very important dimension, but it is not the core standard of selection.
At the same time, we should also combine the market situation of fund products and other factors to choose, and what suits us is the most important.
I hope the above contents are helpful to you.