1, don't blindly chase up and down.

Many investors often buy when the fund has gone up a lot, or blindly look at the recent performance ranking of the fund, regardless of the trend of the fund theme, and analyze whether the fund has peaked, so as to buy at the top of the fund, stay in a high position, and sell it without hesitation when the fund falls, probably selling the fund.

2. Don't treat the fund as a stock for short-term speculation.

Funds are long-term investments. Don't buy and sell frequently because of short-term fluctuations of funds, which will increase the transaction cost of investors. At the same time, the probability of short-term holding profit is lower than that of long-term holding.

The more funds you hold, the better.

Compared with stocks, funds are managed by professional investment managers and invest in various financial markets or multiple stocks, which disperses risks. Investors can invest in two or three different types of funds when investing in funds. Funds that invest too much may have too similar themes and too concentrated risks. At the same time, investors don't have so much energy to track their performance trends.

4. Not all funds are suitable for fixed investment.

Not all funds are suitable for fixed investment, for example, which money funds with small fluctuations are not suitable for fixed investment, which is difficult to achieve the smile curve effect, which is more suitable for one-time purchase, and which stock funds and index funds with large fluctuations are more suitable for fixed investment.

5. Don't change the fixed investment amount or disturb the fixed investment time at will.

The purpose of fixed investment is to prevent "chasing up and killing down". But the premise is that investors fully abide by the discipline of fixed investment. If you change the quantity or suspend the fixed investment at will when the market falls, you will lose the meaning of fixed investment.

6. Combine your investment preferences when choosing a fund.

When choosing a fund, investors only look at the trend of the fund, not blindly choose according to their own investment preferences, which leads to the choice of funds that are inconsistent with their own investment preferences and beyond their risk tolerance.

Generally speaking, more stable investors can choose medium and low-risk funds, while more radical investors can choose medium and high-risk funds.