In the investment and wealth management market in the past two years, funds can be said to be out of the circle, and more and more investors have joined the ranks of the people. But many novices like to buy funds with the thinking of stock trading. I read a news before that I bought the fund for seven days or just guessed and redeemed it. Simply put, it is to brush the news, buy something hot, redeem it a week later, and then buy a fund with the wind. This operation is really simple.

Then, the question is, can short-term speculative funds make money?

The answer is, it is possible, but only if you have the perfect opportunity.

In the short term, there are really not many things that can be done well. According to the data of Shanghai Stock Exchange, during the period from 20 16 to 20 1 6, no matter individuals, institutions or corporate investors, they did not get positive returns in timing. Do you think that if the organization can't do it,

Just like the seven-day ultra-short-term operation mentioned in the news mentioned earlier, you may make money by luck when the market goes up all the way, but once you encounter shocks, you will often lose money by strength.

According to the data of Alipay in the past year, among the citizens who buy partial stock funds, the average annual income is only 5% after one year, while the average income is 30% after holding them for one year without doing anything. If they hold it for more than a year and a half, the average income is 50%.

In addition to accurate timing, frequent speculation of funds will also cause high transaction costs. We all know that buying a fund requires subscription fee and redemption fee. Generally speaking, for OTC funds, the shorter the redemption time, the higher the redemption fee and the holding time is within 7 days. The redemption fee is more harmful to the final income. Therefore, for most investors, it is not who is diligent, but who is better.