I fell badly as soon as I got on the bus. Let's see if I lost or made a profit when I bought the fund for the first time!
Let me talk about the only time I bought a fund in my life. In 2008, the stock market entered a bull market, and many people who never speculate in stocks also took money out of the bank and put it into the stock market. Affected by the stock market, the fund also rose all the way. During that time, my wife came back from work and told me every day what funds her classmates bought and how much money they earned. Unable to resist her temptation, one day, I took out 10 thousand yuan from the bank and prepared to buy a fund. That day, I was received by the daughter of an old couple across the hall. She recommended a fund to me.
After buying the fund, it is expected to rise all the way. However, contrary to expectations, the stock market quickly entered a bear market, and the fund also fell miserably. Watching the index drop day by day, my heart can be said to have fallen to the bottom. Since then, I have no interest in paying attention to the fund's market.
In this way, eight years passed in a flash. One day, when I came back from work, I met the lady who recommended the fund to me at the door. She told me that the stock market is picking up now, and the fund I bought in the past has gone up a lot, so I can throw it away.
The next day, I went to the bank to check, and sure enough, the funds I bought in that year rose a lot. Perhaps, it can go up a little, and it may not be the time to throw it. But my wife doesn't agree with me. She said, "Let's take it away as soon as possible! If you don't throw it, maybe the fund will fall! "
In this way, after a week, I threw away the fund. Ten thousand dollars became thirteen thousand dollars. I calculated an account, but I didn't actually make much. Earn interest money at most.
In short, buying a fund will definitely not earn a stable income. Of course, it is impossible to lose all the principal.
I wonder if you have ever bought a fund? Welcome to pay attention and leave a message.
First of all, we must understand the meaning behind the fund. Give a simple example: you have 10000 yuan to buy wheat. If wheat is now one yuan a catty, you can buy 10000 jins in total. The price of wheat will change with the market, if it becomes ninety cents a catty after one month. Then the market price of 10000 kg of wheat you hold now is 9000 yuan. Similarly, if the market price of wheat becomes 1 1 kg after one month, the market price of 1000 kg of wheat you hold now becomes 1 1000, which means that you have increased 10%.
Next, talk about the concept of share: the share of the fund is the unit price of the current fund. It can be understood as the price of buying a catty of wheat. Then the 10000 yuan fund we bought will eventually be converted into the number of shares we hold.
Because the fund manager buys the stock behind the fund, the rise and fall of the stock corresponds to the change of the unit price of the share in the fund. It will eventually affect the amount change of your total share.
If you haven't sold the fund since you bought it, then the unit price of the fund you bought is almost impossible to become zero, which means that the fund bought by 1 Wan Yuanyou is almost impossible to become zero.
That's good. For example, you bought 654.38 million yuan of wheat, and you never sold it. If wheat has not deteriorated, the price of wheat will never become zero yuan a catty, that is to say, the 654.38 million wheat held by Yuan You will never become zero yuan.
But there will be exceptions. If you spend 1000 yuan on wheat now, it will depreciate to 50 cents a catty next month and become 5000 yuan when you sell it. Then it rose to one yuan in the third month, and you spent another 5,000 yuan on 5,000 Jin. Then it became fifty cents a catty in the fourth month, and then it became 2500 yuan when it was sold. And so on until your principal is not enough to buy a catty of wheat, but your principal cannot be zero.
To sum up, we try to buy funds at a low point, hold them for a long time, and then sell them after a certain profit.
If you buy a fund of 10,000 yuan, even if you buy it at the highest point, you will lose 50%. If you insist on holding it for a long time, it will rise back.
Don't buy ten thousand dollars at a time. If you enter the market with 10 yuan, your position will double every five points or so. After adding 10 thousand yuan, you choose a mountain top and throw it away. I think I can get 20 thousand.
No way, believe me, you will buy more and more, earn a lot of money, be popular and drink spicy food, and finally become a value investor like me (stuck in a small leek)
I haven't bought a fund, so I dare not buy it because I am afraid of losing it. You thought you bought corn, which was one yuan a catty at that time, and then rose to one yuan. You still earn a lot, and you will be happy. If you lose, you won't lose too much, just hovering around one yuan. The chance of losing is not great, or one or two thousand yuan. This is how the fund is controlled by itself.
As long as you buy a real fund instead of an illegal phishing website simulator, it's true, and you won't lose the principal. In fact, the fund has a stop-loss line and can't lose so much.
The fund mainly gives money to the manager for stock trading, so the fund will not lose more than the principal, depending on whether the stock market can lose more than the principal. And there is really a way for people to lose more than just equity in the stock market, and that is shorting.
Why is shorting so terrible? Because emptiness is essentially buying and selling things that don't belong to you. Or borrow things from others to buy and sell. It is easy to understand that losses exceed equity. For example, with the interest of 654.38+100000 yuan for 654.38+0 days, steel worth 654.38+0 billion yuan was borrowed, but the price of this 654.38+0 billion yuan steel dropped by 654.38+00% after 654.38+0 days, which is lower than yours. Short selling is an act of adding leverage, and its advantage is that if it succeeds, it can earn very rich profits. This is why once short selling is allowed, it will be wildly used, and it is also the reason why many people lose their underwear in the stock market.
Fortunately, domestic A-shares are not allowed to short, so within the scope of domestic A-shares, the subject's judgment is right. 1 000 yuan of share capital, with a maximum loss of one cent, and the loss will not be greater than the share capital. But the US stock market is allowed to short. There are also many rich people in the United States who make a fortune by shorting. Soros can even short the economy of a single country by himself, triggering the' 97 financial storm. There is another person in America named Livermore. In the economic crisis of 1929, he made a lot of money by shorting America, but the money he earned soon lost, and finally Livermore committed suicide.
There are too many tragedies caused by shorting. Now it seems that not allowing short selling is really one of the best systems for the state to protect the economy.
First, the fund bought 1 10,000 copies. If the net value of the fund is 1 yuan, it is 10000 funds. If the fund goes down, its performance is not good, and its net value falls to 0.8 yuan, which means a loss of 2,000 yuan.
Funds are generally divided into five categories. Index type, stock type, mixed type, debt type and currency type. Alipay's balance treasure is a money fund, and it has never lost money in history. If you buy a money fund, the probability of losing money is very small, but the income is relatively low and stable. Now it's about 0.25% in seven days, which means that the income saved for one year is probably 250 yuan. If you buy a stock fund, some of its money fund managers buy all kinds of stocks, and some money is invested in other relatively stable ones. Generally, the stocks invested will not fall out of the market, so the stock fund that invests 10,000 yuan will not lose money completely.
Similarly, if you invest in other types of funds, you won't lose another 10 thousand yuan in principal.
If you lose money, you can make up the position and wait for a long time before rising.