It's simple! !
Compared with stocks, the most important value of fund investment is time value. This is not a one-sided market, but at least a complete cycle, or the performance of the fund after a bear market or a bull market. From this perspective, the performance of the fund is still relatively good. We can intercept the process that the market changed from bear to bull and then to bear in the past two years, and we can see that the market was relatively depressed in 2004-2005, and the fund competition far exceeded this market.
Every investor wants to "go low and go high". It is best to buy on the floor and sell on the ceiling. However, this expectation is just a wish for many people. More often, we are always tortured by market fluctuations. Whether it is a fund or a stock, it is difficult to determine whether the market is low or relatively low. However, the fund industry insists on value investment with the focus on tapping value, and the embodiment of value needs time to cooperate. In fact, even Buffett, the master of value investment, waited a long time after buying stocks before entering the harvest period. Therefore, for funds, adhering to the concept of value investment, we should not only be good at mining stocks and finding suitable buying points, but also be good at strengthening our own beliefs, not being tempted by market fluctuations, and holding stocks until the value is fully reflected.
Investors have different experiences in investment and financial management. In the choice of investment strategy, we should choose carefully according to our own understanding and familiarity with fund products and be a sober investor.
Secondly, investors of different ages should choose fund products that meet their own financial needs because of different investment stages. You should have a clear understanding of your life before investing in the foundation. Regular fixed investment of funds can greatly reduce investors' concerns about the risk of buying opportunities. Buy a fixed amount of funds regularly, and when the net value of funds rises, the number of fund shares bought is small; When its net value falls, it will buy more stocks.
Finally, you need to consider your own investment risk tolerance, understand the investment risks of fund products, and control the risks within your tolerance.
Investment is a function of time and also a long-distance running. So it's not how fast you run, but how to run the whole course. We often see investors with high profits for a period of time. Buffett's average investment income of 23% in 50 years is nothing to many people. But it seems that only one person in the world has achieved this time and this achievement.