In the past five years, the Shanghai and Shenzhen 300 Index has doubled, and many Public Offering of Fund's performances are also very eye-catching. In 2020 alone, as many as 80 funds will double their net worth. If you start investing early, the income will be very considerable.
But not many people can really participate in the fixed investment for several years. The current situation is often: in the bull market, everyone swarms to participate in the fixed investment, and the enthusiasm of the market falling into the adjustment cycle immediately fades. What should everyone do? Even in previous years, Yun Yunjun himself has never participated in the fixed investment of the fund for more than one year.
The method of participating in the fixed investment of the fund is very simple, which consists of three steps: selecting the fixed investment fund, setting the fixed investment cycle and determining the fixed investment amount, and then it is over. Since the operation is so simple, why can't everyone stick to it?
Why is it difficult for the fund to make a long-term fixed investment? 1, the profit cycle of fixed investment is long.
Most of our friends participate in fund investment in the hope of getting unexpected returns in a short time, and even try with the mentality of "gambling". ...
Investment impatience, quick success, naturally can't wait that long.
According to statistics, in the past ten years (20 10-2020), if we sadly missed the 10 trading day with the largest market increase, our position income would change from 68% to -2.27%. Whether buying stocks or doing funds, we are quietly waiting for the only dozens of opportunities that will appear in 10 years.
From 2000 to now, it is normal for the Shanghai Composite Index to rise and fall, and the market is adjusting and bottoming out most of the time. By constantly reducing the cost of holding positions through fixed investment, it is possible to encounter a chance of a big increase after three to five years of layout, thus doubling the income.
But as ordinary people, will we have the patience to wait that long? -Obviously not. Most friends are blindly chasing the hot spots of market style changes: recently, liquor has soared, and the new energy sector has been sought after and immediately participated in the layout. I also heard that "carbon neutrality" was on fire, so I quickly chased it again ... I can't sit on the bench, buy a fund for less than three months, and then sell it for other targets. How can such a mentality persist in a fixed investment of three years and five years?
2. Mismatch of long-term and short-term funds
The fixed investment of the fund needs time to change space. This time period is often three years, five years or even longer, and there will be significant benefits. Due to the greed of human nature, many friends hope to get a considerable return on investment in the shortest time through investment means such as funds and stocks, so they concentrate too much money on wealth management products.
Our normal life needs a certain short-term capital reserve for daily living expenses, mortgage repayment, children's education and other expenses. If we mistakenly put too much short-term capital reserves into the fund, and it coincides with the market shock adjustment and heavy losses, our position mentality will easily collapse.
Short-term funds are insufficient, and daily living expenses are stretched. At this time, it is necessary to redeem fund shares to supplement short-term liquidity. After several times, it will lead to a daily trading account, and the profit has not yet been earned. The handling fee has been deducted wave after wave, so it's strange not to lose money.
Yun Yunjun believes that the investment of the fund should be "long-term funds", and this extra fund will not be used for several years. As a form of long-term savings, it can be held safely for a long time, waiting for the big market to appear.
3. The mentality of seeking advantages and avoiding disadvantages is at work.
As a normal person, it is instinct to seek advantages and avoid disadvantages.
When the market is good and the stock index rises sharply, I can't help but increase my position and want to make a wave of quick money by the outlet;
On the contrary, when the market is cold and our goals are falling, we are at a loss and want to cut our meat and stop loss. ......
The original fixed investment plan of the fund was randomly modified in the repeated changes of mentality. Fixed investment cannot be effectively implemented and sustained for a long time ... In the long run, the income will naturally be pessimistic, and the confidence in insisting on fixed investment will be greatly reduced.
It is a safe and appropriate way for ordinary people to participate in financial management, but it takes time to accumulate fixed investment, and it may take three to five years to get the corresponding results.
If you want to stick to the fixed investment for a long time, you need to abandon the idea of "making quick money", participate slowly with long-term funds, stabilize your mentality, and be arrogant. In a few years, you may get more than expected income.
Making quick money is a fairy routine that many people yearn for. In the capital market, as long as we seize a daily limit or continue to rise for a week, we can trigger a skyrocketing income. The excitement brought by this kind of interest stimulus falling from the sky is always more exciting than waiting for the uncertain income for half a year.
In fact, many people don't like funds in their bones, let alone operate in a fixed investment mode. Because the growth rate of the fund is "too slow"!
The fixed investment of the fund is an anti-human investment method, and human nature pursues relaxation and happiness, so it is extremely arbitrary. The fixed investment needs rigor, constraint and planning, so all the operation behaviors are deduced through model calculation and have certain regularity.
Anything that is regular is easy to find a profit point. For example, enterprise management is systematic, standardized and easy to manage; Large-scale projects need to be planned in advance, otherwise they cannot be implemented; When it comes to interest communication, it is necessary to make a good contract, clarify the rights and responsibilities of both parties, and embody the spirit of contract everywhere. ...
The investment strategy of fixed investment mainly follows the following order:
At the initial stage of the fixed investment of the fund, as long as the appropriate varieties are selected, there is no need to be disturbed by any external factors, and deductions can be made according to the date. By spreading time, investing slowly with small money, slowly climbing over the hurdle in the fluctuation within the time period that investors can control, accumulating more shares, quietly waiting for the opportunity to sell, and realizing the goal of phased profit of wealth.
Error-prone: when choosing varieties, it is taken for granted that regular deduction is always afraid of losses and changes the amount and time at will, and can't stand periodic losses.
The amount of funds invested is small and scattered, and it takes a long time to make people lose patience. Fund fixed investment is a financial management tool that is very suitable for ordinary people to invest. The investment is scattered in a small time, and the profit margin is relatively considerable. However, there are only a few people who can persist. One kind of people can't understand the deep-seated principle of making money, and the other kind disdains the money that takes time and brains to make.
Easy to make mistakes: I have no control over myself, I have no idea about the term of use of funds, and market changes bring about emotional fluctuations, causing complications. Generally speaking, there is a lack of confidence in persistence.
Why are there so few people who can insist on a fixed investment? The reasons are mainly concentrated in the following aspects:
Error-prone places: lack of foresight, lack of regularity, and inability to make money from trends.
To sum up, it takes a long time for the fund to make a fixed investment. The process of breaking down money into small pieces and buying it slowly has made many people lose patience and excitement of making quick money. In addition, they are unwilling to enforce discipline without strict planning of the investment process, and they always intervene artificially, which eventually leads to their loss of confidence. To put it bluntly, expectations are too high, there are no rules, and the gap is too big. Therefore, reasoning and doing concrete things are always two different things, and the unity of knowing and doing is the real realm.
For most investors, they hope that they can get excess returns and realize the explosion of wealth in the shortest time, even the explosion. Based on this idea, the average investor will have three ways. The first is to choose a big blessing when the fund falls; Second, when the fund falls, it chooses to stop fixed investment; Third, invest heavily when the fund rises. And these three ways are all wrong, and the final result: the investment funds are all the same loss.
The fixed investment method of the Fund is suitable for all investors, simple and easy to use. However, in this process, because the dimension of time is too long, few people can persist, and investors who can persist can basically get a lot of benefits. So, why is it that the fixed investment of the fund is suitable for all investors?
1, fund versus retail investors, who wins or loses? Perhaps some lucky retail investors can outperform the fund in stages, while some or a few fund managers are not very good at investing, but they have lost some retail investors. However, normally speaking, general funds are far better than retail investors. Whether in stock selection or stock selection, or in the implementation strategy and response plan, funds are more professional, while retail investors are more amateur.
For retail investors, do they have stock selection, stock selection, implementation strategies and coping plans? It is usually not available. Since you don't have it, it's more reasonable to choose a fund instead of investing indiscriminately.
2. The rise and fall of the fund is subject to the market, which is also the reaction of the market. However, due to the wide investment scope of the fund, it is biased towards the market. So as far as the overall trend is concerned, it is on the rise, because this is the trend of the market. For retail investors, it is impossible to grasp the node time, and the way of natural fixed investment can not only avoid risks better, but also lower the average price better.
Therefore, the fixed investment method of the Fund is suitable for all investors. As long as we correctly understand the advantages and disadvantages of funds and investment methods, we can naturally maintain them for a long time and then achieve investment success.