In fact, making money by funds has always been a pain point in the public offering industry. The fund is profitable, which means that the fund it holds is no problem and a good fund. So the reason why the experience of private investment funds will be poor is actually very important. The reason is that many people invest money in the wrong way.
1, buy funds according to performance ranking.
It is no problem to know a fund according to its performance ranking. The problem is that choosing a fund according to its short-term performance ranking is prone to buying it too late.
Everyone knows that buying a fund depends on performance, and a good fund is always concerned, so many platforms will give a good fund ranking (such as nearly 1 month, nearly 3 months, nearly 6 months) for your reference.
But the short-term performance is good, often in the rising industry, chasing up the plate. As for whether it can continue, it's hard to say. Moreover, the funds with the highest increase are often those that are heavily invested in a certain industry or hot spot. When the short-term performance of the fund is on the list, it is likely to have risen to a certain extent, and the space and possibility for further increase are not so great. Buying at this time is a typical chase.
2. The held fund cannot be held.
Even if it is 10 times of 10, the trend of net value will not rise linearly, and there will always be a stage of callback due to market fluctuations. In particular, some fund managers pay attention to attack and don't care much about retracement, which will lead to great fund losses and retracement in a certain period of time, but in the long run, the fund performance may be relatively excellent. At this time, you need to give the fund time.
A typical example is Guo Fu Tianhui managed by fund manager Zhu Shaoxing. Since its establishment in 2005, Guo Fu Tianhui has experienced a great retreat. In the 2008 stock market crash, the maximum retreat reached 59%, and in the 20 18 crash, the maximum retreat reached 34%. At this time, how many people can hold on?
But if you can persist, you can get a profit of 1922.67%. I believe that fund managers can hold funds and get good returns.
2. Day trading
Many people regard intraday trading as a band operation. There was even a popular "7-day trading law" before. First of all, most ordinary investors have limited professionalism and are easily influenced by negative trading mentality, such as greed and fear. It is difficult to accurately determine the appropriate time for short-term band operation.
In addition, if the transaction is frequent, it will lead to the loss of the fund redemption fee, especially when the holding time is short, the fund redemption fee will be higher.
Funds make money while citizens don't, which often stems from the lack of long-term investment concept in investment operation, and there are cases of chasing short-term top funds, failing to hold good funds and frequent trading.
How can I make my investment fund experience better? How can we insist on long-term holding?
Investing in a good fund is not as difficult as everyone thinks. Doing a few things well can greatly improve the probability of the fund making money.
First, choose a fund with excellent and stable long-term performance managed by an excellent fund manager. A good fund manager will help you reap a lot of benefits in the volatile market, and you don't even need to care too much about the time of buying.
Secondly, the fixed investment method is adopted to gradually open positions, and the cost can be leveled when it falls, so that losses can be turned into profits faster and investment can be more easily adhered to.
I hope the above contents are helpful to you.