On May 20th, 20021year, the bitcoin market suffered a "shock". On that day, more than 580,000 people were "exposed". It is reported that the total open position is as high as 69 1 100 million US dollars. Coincidentally, on the first day of the Dragon Boat Festival, Bitcoin fell by 4.59%, which was 45% lower than the highest point of Bitcoin this year.
As an investment that can achieve "get rich overnight", the risks of Bitcoin are naturally linked to the benefits. Recently, however, news of "encirclement and suppression" of mining has come from many places. In May, 20021year, the Finance Committee meeting indicated that we should resolutely crack down on bitcoin trading and mining in the future. This is because the main cost of "mining" bitcoin is electricity. According to the data of well-known research institutions, as of May 20021year, the annual electricity consumption for "mining" due to waste is about 149.37 TWh.
In short, the cost of "digging" bitcoin demand is too high, but for those who love investment, there is another product that can be started, that is, funds.
One of the most frequently heard words is the word "nourishing the base". According to the data of Mob Research Institute, the number of netizens has exceeded 65.438+0.2 billion at present, and 60 million "new citizens" will participate in the tide of "supporting the foundation" in 2020; And 50% of the "new" people are post-90 s.
Nowadays, the way to buy funds has become simple and fast. According to the post-8090 financial report, the proportion of people who choose to buy funds online is about 44%. Thanks to the expanding base group from time to time, the market scope of the fund is also expanding.
According to the report released by the fund industry association, as of 202 1 1 quarter, the net capital of Public Offering of Fund reached 2 1.56 trillion yuan; At present, there are 134 fund companies in China, among which E Fund Management Co., Ltd. ranks first in the average monthly interval of funds, with an average monthly interval of 927.788 billion yuan.
Now Alipay has become the first choice for young people to buy funds. Do you know how many people make money?
According to china securities journal, Alipay Wealth has become the carrier for fund companies to digitize. It is reported that 70% of fund companies have "participated" in Alipay for users to choose and invest. Among them, after Huian Fund joined Alipay, the number of users increased from several thousand to several hundred thousand.
By the end of 20 18, only 4 1.2% of users had made money from the fund, in other words, most people who held the fund were at a loss. However, in the "First Quarter Citizen Report" issued by relevant institutions, the duration of holding funds is less than 3 months, and the loss-making population exceeds 70%.
After the fund company "Thunder", can it still buy funds on Alipay?
Recently, an audio message "detonated" the fund circle, that is, dozens of fund companies were exposed to negative news. This worries many funds. Can I buy funds on Alipay now? In this regard, experts said that the fund "thunderstorm" is only a probability problem. So how to buy a fund to prevent losses? In fact, there are several "tricks".
The first point is that when buying a fund, don't judge whether it is appropriate only by the increase of the fund. The result of the fund's loss or not is actually closely related to the holding time. According to relevant data, the loss ratio of citizens who have held the fund for more than 3 years does not exceed 5%.
Second, when buying funds, don't "buy and sell" frequently, which is the so-called "chasing up and killing down". This is because the fees for purchasing funds are often relatively high, such as buying stock funds 1.5% and redeeming 1.5%. If you apply for redemption back and forth, then the handling fee is not a small expense.
The third point is to prevent the purchase of funds from being "monopolized by one family" and not to put all funds in the same fund. Because all the money is bought in the same fund, which is equivalent to being "trapped", you should stop buying funds according to your own economic conditions. There are many kinds of funds, some investors are steady, and they choose fund products with relatively stable returns; Some investors are enterprising and choose high-risk and high-yield products.
Now more and more young people have entered the army of "basic people". However, any wealth management product has certain risks. Therefore, it is best to avoid "consciously following the trend" when investing, and it is best to refer to personal risk tolerance, diversify funds, and avoid certain risks. Right?