In fact, the most taboo to buy funds is to chase up and down in the short term. Only with enough patience can you make big money in a bull market.
Don't expect to make a lot of money through short-term operation. The fund pays attention to long-term investment. If you want to make a lot of money, you must first abandon the idea of making quick money.
Every penny you earn is your realization of world knowledge, and every penny you lose is due to your deficiency of world knowledge.
Unless you rely on luck, you will never make money beyond your cognitive range, but the money earned by luck will eventually be lost by strength.
1. Why do you suggest that you invest in index funds?
Everyone is eager to live a better life, and how to manage money and earn more money is an enduring topic.
It is a good thing to have a sense of financial management, but many people fantasize about getting rich overnight and blindly managing their finances, and it is very likely that they will lose all their money.
In 20 18, P2P industry ushered in a wave of thunder, and thousands of platforms closed down and ran away. ...
Investors' money evaporated overnight and suffered heavy losses.
In fact, all kinds of wealth management products have a general income range:
Rational investment, we must first manage our own desires.
When you see obviously abnormal high returns, you should be on your guard: there is no free lunch in the world, and there must be high risks behind high returns.
So, why is it a good idea for index funds to vote?
Let's not talk about what "index fund fixed investment" is, but tell you its advantages directly here. If you think this is a suitable financial management method for you, then don't miss the following practical tutorial.
Advantage 1: 10% annual income is not a dream.
There is a saying that "the road is tortuous, but the future is bright", which is very appropriate to describe the fixed investment of index funds.
It invests in the stock market. As long as China's economy continues to develop and the stock market follows the economy, this financial management method will make money with great probability.
So some people say that buying an index means buying national wealth.
Moreover, the stock market has a fluctuation cycle, and there is a bull market in China every seven years on average. The last two bull markets appeared in 2007 and 20 15 respectively, and there are also signs of bull markets this year:
Draw a direct conclusion:
It is not difficult to achieve 10% annual income as long as we insist on long-term fixed investment, buy in batches at ordinary times and sell in bull market.
For most people, investing in the stock market must avoid short-term chasing up and down, and it is more practical to exchange time for space.
Advantage 2: risk dispersion and high security.
"The stock market is risky, so you need to be cautious when investing." "Don't put your eggs in the same basket." ...
I believe you have heard these words, but how to do it?
In fact, the fixed investment of index funds is naturally a way to diversify risks.
Because it will help you buy hundreds of stocks at the same time and avoid stepping on junk stocks in the whole warehouse;
Moreover, it is a long-term investment, which helps you to buy regularly every month, and also prevents you from being deeply trapped by buying at a high level at one time.
On the other hand, stocks are traded on the Shanghai and Shenzhen stock exchanges, and funds are also managed by banks, so there will be no P2P running, and the security is beyond doubt.
Advantage 3: Simple operation and compulsory savings.
In today's society, many young people are used to spending in advance and constantly overdraw credit cards, flowers and IOUs. ...
When the epidemic came, I found myself swimming naked in finance. ...
The ancestors said, don't panic if you have food in your hand. If you really can't help spending money, the fixed investment of the fund can help you save forcibly.
The specific operation is very simple. As long as you set the time in advance, such as deducting money on the second day of monthly salary, then the fund can help you intercept the next sum of money, and many a mickle makes a mickle.
Some people even go further and delete the fund application after setting it up, in case they sell the fund cheaply. ...
Therefore, after the epidemic, if you want to save money for revenge, the fund's fixed investment is worth considering!
Advantages 4: Convenient, flexible and fast adjustment.
Compared with other financial management methods such as annuity insurance, another major advantage of the fund's fixed investment is flexibility:
The minimum monthly investment is 10 yuan, which is very suitable for young people who just work and have little money. If you need to get married and buy a house halfway, or have other better investment methods, you can sell it at any time according to the profit and loss situation.
But if you buy annuity insurance, you may lose money in the first five years. ...
Because of these advantages, I suggest that the following groups should focus on:
1, ordinary office workers
There is an advertisement called "Little by little, dreams come true".
The fund will make a fixed investment every month 10 yuan can manage money and save us a sum of money. As long as we insist on long-term investment, it will help to buy a house, a car and get married in the future.
2. Busy people
The fund's fixed investment operation is simple, and you don't need to spend time watching the market every day.
By saving this time, you can spend more energy on self-growth and spend more time with your family.
The first law of financial management is, don't expect to get rich by financial management, and strive to improve yourself is king.
3. Long-term planners
If you have a clear goal for the future, such as your child studying abroad at the age of 65,438+08, you should save 2 million yuan before the age of 60, which can be achieved through the fixed investment of the fund.
The fund will focus on long-term investment and avoid short-term chasing up and down. As long as you have enough patience, it will be easy to make money in a bull market.