In the investment market, the profitability of active funds is very good, and the performance of the whole fund market is very good. Taking the stock funds in active funds as an example, the statistics show that the average net value growth of general stock funds is about 111% from 2015 to now, and the average net value of partial stock hybrid funds is about 102%, that is, for example, for example If you have 100000 yuan, you will start to invest in stock funds in 2015. When the average market income is reached, the current income on the principal increase is about 211000.
But strange is, the fund market is clear is to make money, but the investment fund friend is losing money, this is why?
In January 2020, some fund companies and other institutions jointly issued a white paper on the investigation of individual investors of equity funds. The results show that the probability of investors' investment in fund profit is proportional to the holding time of the investor fund. If the holding time of the fund is within 6 months, the probability of profit will be less than 50%. If the fund can be held for more than five years The probability of profit is more than 80%. That is to say, the reason for investors' investment fund loss is that the holding time is too short is the main reason.
If the fund to invest can get long-term stable income, we must insist on the following points:
1. Believe in the market, hold on, the market is volatile, and the market is also a relatively stable upward trend in the medium and long term. The purpose of fund investment is to obtain long-term stable future income, so don't trade funds frequently because of short-term market fluctuations. In the long term, the performance of active funds is good.
2. Don't blindly predict the market with confidence. From the perspective of long-term investment, we can enter the market at any time. As long as we persist, some investors are blind confident about their technical level, and feel that they can make high investment and low absorption in the short term by judging the market position, so as to obtain the excess return of the market. Judging the market can be said to be the hardest investment How can we guarantee to sell at low level and at high level? There is no absolute law in the market, otherwise there will be no so many leeks to be harvested in the market. No one can be the God of investment at will. If you can choose a good fund, the long-term holding gains are far higher than the blind confidence of high throw low.
3. If you can buy a fund that is hot in the market, you can make a lot of money in a short time. So they are keen on pursuing market hot spots. However, the rotation of market hot spots is very fast. When a subject becomes a hot topic, or when you get the news of the hot spot, its price may be at a high level If you go in at this time, you can buy a place close to the top of the mountain. What will you face behind it? I believe you know. Hot spots are not so good to pursue, you can know that, as you know, it is not as good as the old-fashioned holding of the excellent fund.
To achieve the long-term stable profit of the fund, the best way is to choose a good fund, and then insist on long-term holding.