Why do you always lose money when buying funds?
1 The investment portfolio of the fund is unreasonable.
Many people like to buy more than one fund, thinking that it can spread the risk. There is nothing wrong with this idea, but it has been misunderstood in the specific operation. Because if you buy more funds of the same type, the role of risk diversification will be greatly reduced.
For example, some people are very optimistic about the new energy automobile industry, and feel that the fund for buying a new energy automobile industry is not enough, and they bought four or five in one breath. This seems to spread the risk, but it is actually of little use, because once the new energy vehicle sector begins to decline, most of these funds will fall. Because the investment portfolio is unreasonable, it is easier to lose money by betting too much money on similar high-risk funds.
For fund investors, as long as they can build a reasonable fund portfolio, it is not difficult to lose money. Because fund products include high, medium and low funds, only high-risk funds are prone to losses. If we can build a reasonable combination of high, medium and low-risk funds, it is easy to achieve no loss and no profit.
2 like to follow the trend of buying and selling, chasing up and killing down.
When buying funds, many people don't have clear goals and specific methods, and they would rather buy what funds will go up. This method may be no problem in the big bull market, but the real big bull market may only appear once every few years. At other times, it is easy to lose money by buying funds in this way.
Because a fund invests in multiple securities products in a market, the trend of the fund's net value is closer to the overall trend of the market it invests in. For a big market, it is difficult to have sustained ups and downs. If it rises too much, it will call back, and if it falls too much, it will rebound. For example, if the market index rises by 2%-3% a day, it will rise sharply, and it will be even harder to rise for several days.
Because it is difficult for the fund to get out of the continuous ups and downs, when the fund rises sharply, it is easy for the fund to retreat after buying, or when the fund falls sharply, it is easy for the fund to rebound after losing money. It is easy to lose money by doing this for a long time.
3 like to do short-term, can not hold funds.
In the long run, most funds are profitable, even those with high risks, such as stock funds and partial stock hybrid funds. But for many fund investors, they are unwilling to hold a fund for a long time, or have no patience to hold a fund for a long time. They just want to make a profit by fast-forward and fast-out. However, fund products are not very suitable for short-term investment.
On the one hand, the fund's volatility is relatively small, not only the profit space is small, but also it is difficult to obtain income by short-term price difference. On the other hand, the high cost of short-term trading will further reduce the profit margin of short-term trading and increase the difficulty of operation. In addition, if it is an OTC fund, the transaction has a strong lag, and neither buying nor selling can be carried out immediately, which will increase the risk that the transaction price is uncontrollable. For example, sometimes it is clear that the fund bought is profitable, but after applying for redemption, it is found to be a loss when redemption is confirmed.
All in all, people who like to invest in short-term funds have a high probability of losing money.