First of all, I'm happy to answer your question.
In fact, this question is very simple and clear. In theory, it is right to buy 10,000 funds and pay at most 10,000 yuan, but the probability of realization in practice is almost zero.
Even if the fund is chasing up and buying 10,000 yuan, if it encounters a bear market, it will be thanks to 50-60%, that is, 5,000-6,000 yuan. A fund is a portfolio of stocks. You won't withdraw from the market until you close your position. All losses can only be alarmist, daydreaming.
The fundamental purpose of citizens buying funds is not to contribute but to make money, and any noble preaching is empty.
So how do you make money by buying funds?
1, to determine the types of funds to buy. Whether it is an on-site fund or an off-site fund; Whether it is ETF fund or LOF fund; Whether it is an index fund or an industry fund, these are all understood.
2. Determine the channel of the fund to be bought. Did you buy it online at the bank counter, Alipay or Tian Tian Fund, or did you buy it in a securities account?
3. Determine the method of buying funds. It is recommended to buy every big drop (preferably a bear market), or invest in it. These are the secrets of fund investors' success, and there is no room for doubt and vacillation.
4. Determine the profit-taking target. After buying a fund, you can only determine whether it is a profit or a loss if you sell it. It is suggested to take profit when the market rises sharply.
I fell badly as soon as I got on the bus. Let's see if I lost or made a profit when I bought the fund for the first time!
Let me talk about the only time I bought a fund in my life. In 2008, the stock market entered a bull market, and many people who never speculate in stocks also took money out of the bank and put it into the stock market. Affected by the stock market, the fund also rose all the way. During that time, my wife came back from work and told me every day what funds her classmates bought and how much money they earned. Unable to resist her temptation, one day, I took out 10 thousand yuan from the bank and prepared to buy a fund. That day, I was received by the daughter of an old couple across the hall. She recommended a fund to me.
After buying the fund, it is expected to rise all the way. However, contrary to expectations, the stock market quickly entered a bear market, and the fund also fell miserably. Watching the index drop day by day, my heart can be said to have fallen to the bottom. Since then, I have no interest in paying attention to the fund's market.
In this way, eight years passed in a flash. One day, when I came back from work, I met the lady who recommended the fund to me at the door. She told me that the stock market is picking up now, and the fund I bought in the past has gone up a lot, so I can throw it away.
The next day, I went to the bank to check, and sure enough, the funds I bought in that year rose a lot. Perhaps, it can go up a little, and it may not be the time to throw it. But my wife doesn't agree with me. She said, "Let's take it away as soon as possible! If you don't throw it, maybe the fund will fall! "
In this way, after a week, I threw away the fund. Ten thousand dollars became thirteen thousand dollars. I calculated an account, but I didn't actually make much. Earn interest money at most.
In short, buying a fund will definitely not earn a stable income. Of course, it is impossible to lose all the principal.
I wonder if you have ever bought a fund? Welcome to pay attention and leave a message.