1 The investment portfolio of the fund is unreasonable.

Many people like to buy more than one fund, thinking that it can spread the risk. There is nothing wrong with this idea, but it has been misunderstood in the specific operation. Because if you buy more funds of the same type, the role of risk diversification will be greatly reduced.

2 like to follow the trend of buying and selling, chasing up and killing down.

When buying funds, many people don't have clear goals and specific methods, and they would rather buy what funds will go up. This method may be no problem in the big bull market, but the real big bull market may only appear once every few years. At other times, it is easy to lose money by buying funds in this way.

3 like to do short-term, can not hold funds.

In the long run, most funds are profitable, even those with high risks, such as stock funds and partial stock hybrid funds. But for many fund investors, they are unwilling to hold a fund for a long time, or have no patience to hold a fund for a long time. They just want to make a profit by fast-forward and fast-out. However, fund products are not very suitable for short-term investment.

On the one hand, the fund's volatility is relatively small, not only the profit space is small, but also it is difficult to obtain income by short-term price difference. On the other hand, the high cost of short-term trading will further reduce the profit margin of short-term trading and increase the difficulty of operation. In addition, if it is an OTC fund, the transaction has a strong lag, and neither buying nor selling can be carried out immediately, which will increase the risk that the transaction price is uncontrollable. For example, sometimes it is clear that the fund bought is profitable, but after applying for redemption, it is found to be a loss when redemption is confirmed.

Extended data:

Fund subscription principle:

Fund subscription adopts the principle of unknown price trading, that is, when investors buy funds, they calculate the fund shares they buy based on the net asset value of the fund shares after the closing of the market on the day of application.

At the same time, investors subscribe for funds around 15, and their subscription prices and confirmed shares are different. If an investor subscribes for a fund before 15, he shall submit the subscription form on the same day, and confirm the share on the next trading day according to the net value of the fund announced that night. If investors purchase funds after 15, their purchase orders will be submitted on the next trading day, as follows.

In short, when investors buy a fund, they think that the fund will rise in the later period, so they try to buy the fund before 15. On the contrary, if they think that the fund will decline in the next trading day, they can choose to buy the fund after 15.

Fund subscription and fund subscription have the following differences:

1, time difference

Fund subscription is generally after the establishment of the fund, and the fund subscription is generally during the fund raising period. The interest generated during the subscription period is automatically converted into the investor's fund share when the fund is established, that is, the interest income increases the investor's subscription share.

2. Different interest rates

During the fund subscription period, in order to raise funds as soon as possible, listed companies will discount the subscription rate, resulting in the subscription rate being generally lower than the fund subscription rate.

3. Differences in trading methods.

After the fund subscription is over, investors need to wait until the fund closure period is over before they can redeem it, and the fund subscription can only be sold on the next trading day. At the same time, there is a long closed period after the fund purchase, which will increase the uncertainty risk of investors holding the fund.