The most “hot” investment project in 2021 is funds. Just at the beginning of this year, funds, a "long-dormant" project, have been "sought after" by many investors. The reason is that in just a few trading days since the beginning of the year, various funds have "risen in a straight line", and the income of many investors It is also constantly "climbing".

If there is money to be made, people will naturally choose to invest in funds. However, there is no project in the world that will always make money, and there is no investment that will never lose money. Funds are also risky. Just in late February 2021, due to the influence of multiple factors, many funds experienced a "plummet" after continuous "climbing", and the majority of investors suffered "losses" as a result.

You must know that when funds surge, many investors buy funds without hesitation. Not only those who have been in the investment circle for many years, but also some young people who are "fresh off their feet". After entering the fund circle, these people have not escaped the fate of being "cut off".

However, this also allowed people to discover an "interesting" phenomenon. According to the China Fund Illustration, investors aged 18 to 34 account for 60% of the total number of fund investors. In other words, more than 60% of those who invest in funds are born in the 1985s, 1990s, and even those born in the 2000s.

However, no matter what age you are, after the "plummet" of funds in 2021, you will not be able to escape "losses". Why can't they escape the fate of being "cut"? When did young people become the “main force” of funds? The main reasons are as follows.

Young people: Making money is the first goal

First of all, for many young people today, making money is their "first goal." According to a survey by CCTV Finance, since 2020, more than 60% of "office workers" in my country have started a side job or have plans to start a side job. Moreover, college students account for the majority of part-time workers in our country.

These data show young people’s “desire” to make money. At the same time, financial management and investment have become "popular" ways for young people to make money, and their awareness of financial management and investment "germinates" very early. According to the "Post-90s Money Savings Report", my country's post-90s generation developed financial management and investment concepts about 10 years earlier than their parents' generation.

The report also mentioned that in the first half of 2020, the per capita amount of money saved by my country's post-90s generation increased by about 40% compared with the same period last year, which shows that their awareness of saving is very "strong." Not only that, the "Post-90s Financial Management and Consumption Report" mentioned that in addition to wages, the common source of income for the post-90s generation comes from income from investment and financial management.

So, a big reason why young people choose to invest in funds is because they have seen the huge growth of funds, and for young people who do not have much savings, the "threshold" for investment in funds is very low, so They "got it" quickly. But it is also because of the "skyrocketing" of funds that they automatically "shield" investment risks and are thus "harvested" by the market.

I have investment awareness, but I don’t understand investment strategies

Secondly, now is an era of information explosion. Information about investments, funds, etc. can be found on the Internet. At present, most young people’s “first lesson in investing” is “enlightened” through the Internet. Relevant data shows that 84.5% of the post-90s generation invest and manage finances on Internet platforms.

However, the information on the Internet is not systematic and is very "fragmented". The funds that many young people learn about through the Internet may be only "one-sided" and "superficial", so young people only know about funds " "make money" but don't know how to "operate" to make money.

In addition, so many "high-quality" funds are constantly rising, and some people are making money, which naturally attracts some young people to "blindly follow the trend." You need to know, is there anyone who is making money? It is not the only factor in choosing a fund. No matter how "high-quality" a fund is, it will not rise forever.

So, the time of buying is also very important. Many young people don’t understand that if they buy when they see a certain fund rise and sell when it falls, they will definitely lose money. Whether it is a fund or other investment project, "buy low and sell high" is the real strategy to make money, but many young people do not even understand this most basic strategy and will definitely be "harvested" by the market.

Investment is too hasty and influenced by "hot spots"

In the end, it is still due to the influence of the Internet. Since 2021, the fund has been on many hot searches, and has also become a hot topic on Weibo, Bilibili, Zhihu and other platforms. Even those popular fund managers have their own support clubs. , even the fund circle has set off a "rice circle cultural craze".

At the same time, many companies have seen this "business opportunity" and began to build their own "brand" fund agents and began to guide young people to buy. If they only see other people's "analysis" without thinking about whether the fund is really worth buying, and choose to invest "hastily", then they are most likely to be "cut" as "leeks".

So, whether it is a fund or other investment project, the way to avoid being "cut off" to the greatest extent is to understand the risks, understand the project, and never "blindly follow the trend."

However, there is no "zero risk" investment. Even if the above three points are achieved, the investment may still suffer losses, so everyone must act within their ability.

Have you ever purchased a fund? What do you think is the best investment? Welcome to leave a message for discussion.