Fund fixed investment is also a relatively simple financial product. You only need to master the basic logic and operation methods of several fixed investments, and you can ensure a high probability of making money stably.
Theoretically speaking, the long-term income is still very good by insisting on fixed investment and grasping the rhythm, and the annual income can reach more than 15-20% by correct operation. Even if it is ordinary income, in fact, more than 8% is still no problem.
But the reality is that some surveys show that 95% of people who invest in the fund are losing money. After deep excavation, we can find that, in the final analysis, it is not a question of skill, but a weakness of human nature. Today, Brother Xiao Feng will take you to have a look. What are the three human weaknesses that cause most people to lose money in fixed investment, and also give us some warnings, so that we can avoid them in the future:
1, the mentality of joining in the fun
Most people started voting because they heard that they might be friends or colleagues, or they read it online and found that there were many people recommending it, so they got on the bus. This is a terrible thing. Wealth management products are not like buying food in the market. Anyway, there are only a few dozen things at most. If you lose, you lose. It is wrong to play with the fund with the mentality of following the trend. After all, funds are not like time deposits in banks, so they don't need to be taken care of anyway. When many people are discussing the fixed investment and feel good, it is often not the best time to enter. If I had slowly understood the underlying logic of the fund's fixed investment, I might have held it for a long time and waited for a good opportunity. However, people who join in the fun are often very eager to see the results, so they leave before the turnaround time and eventually lose a sum of money.
Step 2 be lazy
The laziness discussed today is mainly ideological laziness. After leaving school, most people also stopped studying. Many people also have a strong prejudice against financial management, thinking that I can make money steadily as long as I put money in. Take the fixed investment of the fund as an example. You should at least know what a fund is. What type of fund is suitable for fixed investment? According to your risk preference, which one or which ones should be allocated according to what proportion? When to enter and when to appear. Unfortunately, for most people, they are too lazy to understand these contents. I thought, just put the money in and sell it when it rises to a certain position. Without studying, it is difficult to make money in the fund market. I suggest you read basic books, such as "Financial Freedom of Fixed Investment for Ten Years" in "Bank Screw", which is very popular and easy to understand.
3. Lack of patience
Someone once published a data on the internet: only 30% people insist that the fixed investment time can exceed 1 year; 10% of people insist that the fixed investment time can exceed 2 years; However, only 3% people insist on fixed investment for more than 3 years, and even fewer people insist on fixed investment for more than 5 years, only 1%.
As a medium-and long-term wealth management product, the fixed investment can only go out of a "smile curve" if it is held for 3-5 years, and the real benefits will be reflected. But most people can't wait. "Chasing up and killing down" is the weakness of human nature, and it is also the most vulnerable point for everyone to lose money in the stock market. When the fund is scheduled to invest, we often have to start adding more and more positions, so that we can have more funds at the low level and get a return when we rise.
Especially in the long-term bear market, even though many people know that they should wait, the situation may last for a year or two. In the end, we can't escape the weakness of human nature, and selling too early will cause losses.
Therefore, I advise you that the fund's fixed investment is indeed a good variety, but you must study in advance and get ready before getting on the bus. Just like a car is a good means of transportation, but getting on without a driver's license will cause a traffic accident.