Recently, an excellent mother-in-law has been circulated on the Internet.

In 2003, a fund was established. A girl's mother bought a fund share of 47,000 yuan, chose to reinvest in dividends, and then forgot the existence of the money. When it was discovered last month, the position income was as high as 654.38+0.32 million yuan, and the yield was more than 28 times!

With such a high income, I actually did two actions. First I found a good fund to buy it, then I left it alone and forgot …

Frequent operation is not as good as sitting at home.

This phenomenon occurs not only in the fund industry, but also in the stock market. We call this phenomenon callousness.

First, the fund makes money, why don't we make money?

Some time ago, Xiao Nan, a star fund manager, shared a data. A consumer fund he managed was held by most investors for a very short time.

37% of customers sold it in less than 90 days, with an average yield of only 3%. If they take it for a very long time, say, about five years, the rate of return is quite good and can be more than doubled, but this part only accounts for 0.4% of the total.

In other words, most people pick a good thing, but can't hold it, make a little money and run away. Even run in at the busiest time and run out at the worst time.

Operation as fierce as a tiger, behind 250.

Choose a fund manager, choose one that suits you, you know him, he knows you, don't toss and turn when choosing, who will fight with you?

Like this mother-in-law—

"Buying a fund is actually very simple, that is, choosing a good company and a good product, and then having a long-term good attitude."

"Chasing up and killing down, throwing high and sucking low are actually not good ways to buy and sell funds. I personally think that the best time to buy a fund is when you have money, and the best selling point is when you need money. "

This is the insensitive power of the IMF ... Do you ... understand?

After understanding this, we can know why the fund makes money and we don't.

Second, the stock market is "lazy" but not "diligent"

So is the stock market. God rewards laziness, not diligence. Many young Buddhists who have forgotten their account passwords and traveled abroad for a long time have gained a lot after opening accounts for many years. On the contrary, investors who stare at the net worth and stock price every day are still losing money after 20 years of hard work.

I didn't say timing was completely useless. Some time ago, a friend company developed a stock trading software, which is actually a trading reference tool.

Not to mention, you can really touch some doorways in the choice of trading points, and you will still be dependent after a long time, because you really don't have to use your head, money falls from the sky …

Existence is reasonable, and there must be prosperity!

but

"Basically, none of the founders of various technical schools are rich. For example, Gann was down and out and Livermore committed suicide with a gun. This is the final conclusion of history. If there is no happy ending, why should we learn from him? "

"On the other hand, whether Buffett, Fisher or Peter Lynch, large value business schools have a good ending."

From the results, we also know which way we choose!

Or a survey "Is the fund manager timing?"

The final result: fund managers also lag behind the market in the operation process, and more than 60% fund managers completely give up timing.

In order to obtain long-term high returns in the market, the first condition is holding. The market is unpredictable and inappropriate under normal circumstances.

When will you change your position?

When finding a better stock that can be replaced; When you find that there is something wrong with the stock in your hand, it deviates from your expectations; When the market bubble is very serious.

At this time, the position will be lowered, changed or reversed.

Plaid gossip:

Diligence is not as good as laziness, that is to say, "stock selection" is more important than timing, or "base selection" is more important than timing.

Direction is more important than persistence;

If you buy Maotai in your stock, you just have to follow this logic and continue to be lazy. What about buying PetroChina? I'm innocent too. ...

If you bought Jiashi Growth like your mother-in-law, according to this logic, what if you bought a … liquidation?