So, can you make money by buying funds? Obviously not! There are many people who can make money from fund investment, but there are certainly many people who can lose money. There is no doubt about it. Why do some people buy funds to make money and some people can only lose money? How can I buy a fund to earn more money?
How to buy a fund to make more money?
First of all, doing long-term work is more profitable than doing short-term work. An organization has done a survey and found that more than 95% of the citizens who have held the fund for more than three years are positive investment returns, while more than half of the citizens who have held the fund for less than three months are losing money. Why do funds make more money in the long term than in the short term?
One reason is that the long-term trend of most funds is upward. As long as the holding time is long enough, even if the buying time is not good, there is a great chance to make money.
If you can buy a good fund in a better position, the long-term holding income can even be very considerable. Someone once spent more than 80 thousand to buy a fund. 12 years later, it became 1.39 million yuan, earning more than ten times the principal.
Another reason is that the short-term fluctuation of funds is unpredictable, and intraday trading is prone to errors. Although theoretically speaking, it is more profitable for a fund to keep selling high and attracting low, it is too difficult to do it well in practice.
Of course, it is not necessary to hold funds for a long time, and it is also possible to throw high and suck low at an appropriate frequency. If we can persist in long-term investment and seize the opportunity of high throwing and low sucking, it will be difficult to make money.
Secondly, the rational use of fund portfolio is more profitable than investing in a single fund. Many people think that funds are only stock funds or stock-related funds, which is obviously one-sided.
It is true that most funds are more or less related to stocks, but even so, the risks and returns of these funds will be very different. In addition, there are many funds that have nothing to do with stocks.
For different types of funds, income and risk are corresponding, that is, the higher the income, the higher the risk and the greater the probability of loss. There are naturally low-risk funds, but the returns of these funds are also relatively low.
If you only buy one type of fund, those with high risks may earn more when the market is good, and may lose more when the market is bad. When the market is good, you can't earn much by buying low-risk products, and it's certainly not easy to lose money when the market is bad. I can't make much money anyway.
If you use a fund portfolio, you can buy more high-risk funds when the market is good and buy more low-risk funds when the market is bad, so that you can share the high returns of fund investment and avoid its high risks. In the long run, it is definitely more profitable than buying only one type of fund.