However, it makes people happy to make money from stock trading, but those who really make money actually have good psychological quality. If they suffer losses all day, they will have a high probability of losing money. Recently, a netizen asked: My friend invested in the fund. Recently, he looks at the income every day. He was happy when he encountered a big rise, but sad when he encountered a big drop, saying not to invest. As friends, how to guide him?
Then, when they watch the ups and downs every day, how can they guide the purchase of funds? Do ordinary people really need to check the account dynamics every day to buy funds? Do ordinary people earn more or lose more when investing in funds? Today, let's talk about investment and financial management.
First, buying funds is not quiet every day. How to guide?
Strictly speaking, most people who check the capital account every day are novices. Because only beginners will pay special attention to the gains and losses every day. For them, if they earn money that day, they will be more motivated to work the next day, and even take money to invite others to dinner at the party. However, once their accounts lose money, they will not be happy for a day.
So, how can we ease this mentality? Personally, I think we should tell these friends directly that the whole market has ups and downs, and short-term ups and downs are not enough to decide the outcome. What we need to do is to exchange time for these benefits. As long as you hold it for a long time, you will definitely make money in the future.
For example, a fund held by Xiao Pang was basically green last year. In that case, wouldn't you be unhappy for a year? You know, even if these funds often lose money, haven't they all returned to their original capital in the last two months? In this case, we should take a long view instead of looking at it every day, which will only waste more energy.
Second, ordinary people buy funds, should they check them every day?
Frankly speaking, Xiao Pang's current purchase of funds is also checked every day. However, the so-called inspection here is not at the opening time, but at 10 minutes before the closing. The check here is to see whether the market is up or down today.
If it's a little ups and downs, I'll just turn it off in a few seconds and continue to work. If it is a big drop, we will consider adding positions, because only adding positions when it is a big drop can be regarded as bargain hunting, so that the principal will accumulate more.
Of course, this daily inspection action can be completely omitted. Because the fixed investment of the fund is actually to invest a sum of money in a fixed period of time, in this case, we can check it once a day after the salary is paid, and then decide whether to invest or redeem the income.
Third, do ordinary people buy funds to make more money or lose money?
As Xiao Pang said, the whole market has ups and downs. If we care about the gains and losses in a short time, our account will definitely lose more under such frequent operations. Why do you say that? Because there is a rule in fund redemption, that is, if it is held for less than 7 days, a fee of 1.5% is required. Many people don't earn so much. If they leave the handling fee behind, they are completely working for the fund company.
Of course, if you continue to invest for two to three years and continue to add positions in the middle, you will eventually make money with great probability. Why do you say that? The main reason is that we amortize the cost every time we make a fixed investment, so that as long as the fund rises a little bit in the future, we can enjoy the benefits brought by the rise.
Moreover, if we invest when the valuation of the fund is low, then the valuation of the fund in the future will definitely be normal or overvalued, and what we need to do is to sell it when it is overvalued. Isn't this a perfect operation?
Strictly speaking, there is absolutely no need to check the trend of the fund every day, unless you really want to do short-term. However, short-term operation and high redemption fee are unacceptable to most people, and frequent operation will also make you feel bad.
Therefore, my personal suggestion is to invest in the fund, and then add positions when the market plummets, so that there will not be too much psychological pressure. In the future, funds will also rise. At that time, it's time for us to really do it, isn't it?
So, do you think it is necessary to go to the market every day if you decide to invest in funds? If you encounter a big drop and your mentality is wrong, how to guide you? If you buy a fund at present, will you earn more or lose more? Welcome to chat together in the message area!