According to the statistical results of an individual investor questionnaire once released by the Fund Industry Association, in the fund market, 41.2% of investors have made profits since investing in funds, and 25.1% of investors are still losing money.

In other words, less than half of the investors have made money in the fund market.

These investors who have not made any money have some flaws.

The average holding time is short. Only about half of the investments in the fund market hold a single fund for more than one year, and many of the remaining investors hold it for less than 6 months. For funds,

, there is a positive correlation between holding time and investment winning rate.

In other words, the longer the holding period, the higher the average return of the fund and the greater the winning rate.

There is a big gap between the investment habits of fund investors in the domestic market and those of investors in the mature U.S. market. More than 90% of investors who hold the same fund say that retirement savings is one of their financial goals. Naturally, they continue to do so.

The time cycle of funds is relatively long.

I like to look for hot funds. Many investors have this habit. They buy funds based on market hot spots. They always think that they can buy hot spots and make a quick profit. In fact, when a hot spot has become a hot spot, it is also very likely that it will become a hot spot.

When it reaches its peak, it is likely to go downhill next. In addition, the sustainability of hot spots is generally poor and the conversion is rapid, so it is easy to enter the market at a high position and take a deep position.

Similar to this is buying champion funds based on performance rankings. Those funds with very impressive short-term performance generally have stepped into the spotlight. When it stands on the championship list, it means that its income has been released a lot. Once the storm hits,

In the past, significant retracements were possible.

In addition, blindly chasing ups and downs, looking only at short-term performance without looking at fund managers, liking to sell high and buy low, and buying funds cheaply are all reasons why it is difficult to make money in investment funds.