My mentality when buying funds is actually quite stable. In other words, I have always adhered to the investment logic of long-term investment, and I also believe in value investment. I will not do short-term operations because I think For short-term operations, it is better to buy stocks.

Many friends especially like to buy funds because they feel that the threshold for funds is not that high and they can also exercise their financial management skills. I think this starting point is a very good thing, but if you don’t have If you have sufficient financial management knowledge and invest in the fund market, you will probably lose money. This market is actually quite dangerous, because the investment market is inherently a very cruel thing. If you don't choose the right product, or you don't choose the right time, it is very likely to cause you huge losses.

Why do you say that fund investors have lost money without any trouble?

The reason is very simple, because funds have basically not risen since the end of the year, and have been at a plummeting level. Many funds have deeply corrected by 20%, and have deep discussions with many investors. Being trapped in it, if you think about it now, it is equivalent to admitting your losses, but if you don't come out, you will be very anxious looking at such profits, so many investors who hold fund investments now have lost their temper.

I think the logic of many people investing in funds is wrong.

We can understand that investing in funds is inherently a long-term thing, because it is a matter of long-term persistence and the ability to obtain stable returns. However, many people will go too far when they first participate in investment funds. They value short-term gains, so when the bull market is going crazy, many people rush into the market, but little do they know that the bull market will end one day, and when the bear market comes, many investors' holding prices are too high. Neither buying nor selling, so many people will be anxious at this time. This investment logic itself is wrong.

We should take a longer-term view.

As I said in the full article, I think fund holding is a long-term process. We must choose value investment rather than choosing to gain short-term returns, because short-term returns are difficult to measure. At the same time, no one can accurately predict the market. We can only say that if we choose the short-term, it means choosing risk, and if we choose the long-term, it means choosing stability. But stability does not mean no profit. If we put the time line Long term, long-term fund holdings will definitely bring you generous returns. This is a problem that many friends are not aware of, and it is also the road for many novice investors to transform into mature investors.