As a sales platform, Alipay's ultimate demand is for you to buy, and you will only start when you see the money-making effect, so the standard for recommending funds has become the best in history.

Most people buy up and don't buy down, which is why they take a fancy to this kind of leek psychology. Therefore, these platforms are often recommended to you when the fund rises sharply, which is also a sales routine. If you buy according to their recommendation, you may buy at a high level in the market, buy at a high valuation, or even fall as soon as you buy it.

Extended data

Fund investment taboo

1, investment funds should not be measured by price.

Open-end funds are only affected by net value, not by supply and demand, nor by fundamental factors. In other words, the high fund price is mainly due to the high net value, that is to say, the fund investment manager has strong investment ability and can invest more capital, which has nothing to do with risk. If the fund price is very low, it may be caused by investment mistakes and has nothing to do with reducing risks.

2, the fund investment should not be too much.

The fund itself is a way to spread risks, and it undertakes risks through different investment portfolios. As we know, in the stock portfolio, as long as eight stocks can avoid non-systematic risks. Therefore, the fund only needs to invest 3~4, which is convenient for our risk control and management and also disperses the risk.

Don't blindly invest in new funds.

First of all, the newly developed fund occupies funds in the issuance period, closed period and open period, but it can't bring any income, which makes the investment cost increase accordingly. In addition, most old funds have passed the test of the market, and the investment ability and performance of fund managers have also passed the test of the market. The certainty and reliability are relatively higher. On the contrary, there are many unknown factors in the new fund and the risks are difficult to control.

4. Sell the fund immediately after paying dividends.

Many investors unilaterally think that the net value of the fund has decreased after the fund pays dividends and sell it immediately. At that time, the accumulated net value of the fund has not decreased, and the price of the fund with good investment performance may rise after dividends.

5. Funds are not suitable for short-term investment.

Under normal circumstances, short-term investment funds will not make huge profits. At the same time, fund investment needs to bear operating expenses such as fund management fees, as well as subscription fees and redemption fees. The speculative cost is greater than that of A shares. Frequent purchase and redemption consume a certain amount of income, and the income shrinks or even loses.

Most open-end funds invest in potential stocks and blue-chip stocks with investment value. It takes a long time to show its benefits and great investment value. In addition, in order to encourage long-term investment, the redemption rate of some funds will decrease with the extension of holding time until it is zero.