It is also an investment fund. Why do some people make money and others just lose money? There are many reasons for fund losses, some of which are ignorance of the fund. How do experts buy funds to make money? Today, Bian Xiao compiled some knowledge about buying funds for everyone. Let's have a look!

How do experts buy funds to make money?

1. Know how to allocate funds.

Different types of funds represent different risks and returns. Some investors will analyze according to their risk tolerance and allocate funds reasonably. For example, if they don't want to take great risks, they will choose a combination of money funds and pure debt funds. If you can bear certain risks and want to pursue certain returns, you may choose a combination of equity funds and pure debt funds.

Rational allocation of funds can effectively reduce risks and improve returns. For example, in order to pursue income, investors will all invest in stock funds, which will be very risky. Generally, it is not recommended to invest in the same type.

2. Holding funds for a long time

Frequent trading of funds requires fees, and the selling rate of funds is generally divided according to 0~7 days, 7~365 days, 365~730 days or more. The longer the holding time, the lower the selling fee rate. If the holding time is too short, the short-term fluctuation of funds will be relatively large, and long-term holding of funds can reduce the fluctuation risk brought by short-term funds. When buying a fund, it is generally recommended to choose one.

Pay attention to buying funds.

Some people buy funds, they all listen to others, make money, buy them themselves, and then leave them alone. Then when they remember, the fund may lose money to the principal.

In fact, when buying a fund, the same fund may make money or lose money. For example, A investment fund will be redeemed after making money, and A will tell B to make money. When B sees A's fund income, he will think that he wants to make money, so he knows nothing. I don't care if I buy it, thinking that the fund will make money after a while.

Then after a period of time, B will find that there is less money in the fund and will lose money to the principal. This is because when A bought the fund, the fund was at a low level, and then after the fund continued to rise to a certain high level, A redeemed the fund to make money.

However, B heard that A made money and bought it. At that time, it was just right to buy at a high fund level. After the fund continued to fall, the foundation suffered losses. This tells us that when buying funds, don't blindly follow the trend, and you must know something before investing in funds, otherwise it is easy to suffer.

Short-term holding and selling of funds

If the fund is held for a short time, it can be sold, but it is necessary to calculate whether there is any loss after deducting the handling fee. Generally, when selling funds, the sales rates of funds are divided into 0~7 days, 7~365 days, 365~730 days and more than 730 days. The longer the holding time, the lower the redemption rate. If you earn the selling fee, you can sell it.

Holding a fund does not mean that it must be held for a long time, nor does it mean that it must be held for a short time. The ultimate goal of buying a fund is to make money. As long as it is profitable and profitable, it is possible to sell the fund and let the money earned by the fund fall into the bag.

You know, the fund redemption fee is calculated according to the length of time the fund is held. If it is redeemed within 7 days, the fund rate is very high. However, if the investor is short-term and invests enough money, the fund will increase greatly. If it can offset the expenses and make a big profit, it can be redeemed.

Fund redemption depends on whether there is profit and how much profit. Everyone has a different definition, so there are also differences in the take profit point. Generally speaking, some people will sell when they earn 20~30%, while some people may hope to have higher profits in their hearts. Therefore, in the short term, there is no stipulation on when the fund will be sold. Only when it is profitable is the best time to sell.