There are five misunderstandings about funds, and four misunderstandings about fund trading

For office workers who receive a fixed salary, or investors with long-term investment goals such as children's education and retirement, regular investment is usually considered to be the most suitable investment method. However, this scientific approach to investing is not"Everywhere you go"There are also many misunderstandings that need to be avoided.

Misunderstanding. 1. What kind of ** is suitable for regular investment: Although it can average the cost and diversify the risk, not all ** are suitable for regular investment.

The compound interest effect of time can widen the wealth effect brought about by the yield gap. For example, if an investor invests in two ** with an average annual rate of return of 8 and 10 respectively, investing 1,000 yuan per month, ignoring the rate factor, after 20 years, the same investment is 240,000 yuan, the former has a maturity principal of 10,000 yuan, and the latter has a maturity of 10,000 yuan. It can be seen that regular investment also needs to be carefully selected.

Especially for long-term investments of more than 10 years, it is more appropriate to choose **type** with greater volatility and higher returns**, especially ** type with excellent performance**.

Misunderstanding. Second, the deduction should be stopped: regular regular investment is also called"Lazy Money Management Method"Its charm lies in the fact that it can diversify the short-term risks of long and short, net worth fluctuations.

**The number of shares purchased when the net value is high is small, and the number of shares purchased when the net value is low is large, so as to have the effect of flattening the volatility risk. If investors want to stop deducting money when they see ** fluctuations, they will miss the advantage of regular quotas. Of course, this doesn't mean that regular regular investment is completely unnecessary"Timing"If the market trend is already about to enter a short cycle, it is better to take profits and wait for the opportunity.

Misunderstanding. 3. The redemption of regular investment must be fully settled: "Personal Finance Network."

Financial consultant introduction: Some investors mistakenly think that when regular investment is redeemed, they must redeem all the ** they hold. In fact, if the investor is in urgent need of funds, or the market is at a high level, and cannot grasp the subsequent trend, there is no need to completely terminate the contract, and part of the shares can be redeemed to obtain cash.

Misunderstanding. Fourth, the more the amount of regular investment, the better: in fact, regular investment also needs to do what you can, because the threshold is relatively low, generally every month to invest 300 yuan to 500 yuan can jump, the general investor can do it easily, no burden, if the deduction is too much every month, the impact on normal life will not be drawn, and it is difficult to persevere, it is recommended that you try to use idle funds to invest, to achieve the effect of easy financial management.

I want to hear about the top five misunderstandings.

Although investment has certain risks, there are also many investment principles that can be followed to help investors maximize returns and reduce risks

Diversification: Don't invest all your money in one, you should spread your investments to multiple to reduce risk.

Long-term investment: **Investment infiltration is a long-term investment, you should choose ** that meets your risk tolerance, and stick to long-term holding, avoid blind trading.

Pay attention to the manager's performance: The manager's performance is an important indicator of selection, and you should pay attention to the manager's historical performance and understand the manager's investment style.

Preference for low fees**: Low rates can save investors a certain amount of costs, so lower rates should be preferred**.

Avoid emotional investing: Don't be affected by market fluctuations, avoid emotional investing, analyze the market rationally**, and stick to your investment strategy.

In short, you need to master certain basic principles and choose according to your actual situation and risk tolerance, so as to better manage risks and obtain returns.

<><1.Frequent tradingThere will be a subscription fee, and there will be a redemption when selling**.

fees, if traded frequently, will greatly increase us.

cost. Especially when the Kivu money is held for less than 7 days, the redemption fee is high.

2.Not scattered enoughWe all know that eggs can't be put in the same basket, though.

Diversification is not about buying a few.

If the positions of ** are more concentrated, for example, at the same time**.

Liquor index** and liquor blend**, style thunder.

Similarly, it does not play a role in diversifying risks.

So when we pick the **, too.

Take a look at its investment distribution, as well as the top 10

What are the heavy stocks of the big brigade, the same type.

Just pick one.

3.AquamanSome friends said, I don't know which ** is good, that.

Just buy them all, so it's always okay.

Of course not, everyone's energy and funds are there.

Limited, buy so many **, if you can't track it, you can only let it grow savagely, and make money and lose money.

By fate. Generally speaking. The number of holders, 5-7 will be the difference between the orange cover.

Not much, no more than 10.

4.Like****Investment, the underlying logic is to buy low and sell high, here.

The "low" refers to the bottom, not the "low".

The pursuit of the lowest point, it is easy to copy in the middle of the mountain.

waist,**after** still stumbling, no money to add.

Warehouse, waiting for the return on the cost is far away.

In addition, we can't grasp the timing of ****, 10,000.

As soon as**start halfway**, you may miss it**.

Opportunity. A better approach is to do it in batches**. For example, you intend to be in.

Put 1000 yuan on a certain **, and wait until which position.

First**1 3, and then if **reaches a certain range, then continue**.

After joining the team, the first question that many people often face is how to invest, whether it is like the same as holding it for a long time, whether it has fundamental analysis and technical analysis, or whether it is a back-and-forth operation, to obtain the expected returns, etc., how to invest, three misunderstandings can not be ignored.

1. Historical performance

This is the point that many old people will pay attention to, when choosing the best, through the daily **net, Oriental Fortune and other channels to inquire about the historical performance of the **, the historical performance of the manager before the management, the manager's experience, transaction level, etc., this is the key point of the impact.

However, it should be noted that not the higher the performance, the better, if the performance of a certain ** suddenly skyrockets, in fact, it is likely that the operation method of the ** at that time is relatively **, or the current ** happens to be more in line with its trading strategy, but this ** does not have sustainability, and the future is likely **, so in addition to the performance, it also depends on whether the long-term expected rate of return is smooth.

2. Internet celebrities and themes**

In order to facilitate sales, many Mosun ** companies have issued current popular themes**or Internet celebrities**, this kind of **looks tall, in fact, the probability of embroidered pillows is large. Out of the principle of prudence, it is not generally not involved, and the quality of ** is ultimately based on the expected rate of return.

3. Frequent trading**

The transaction method is diversified, and the flexibility is relatively high, but the transaction cost of the transaction is much higher than the transaction cost of other financial products such as **, and frequent transactions will produce a large number of subscription fees, redemption fees, etc., which outweigh the losses.

1.The first branch of the Dan family should first choose the type of **, and then the same type of ** do not buy too much, because the same type of buy too much is difficult to spread the risk, the higher the similarity of the disadvantages, the higher the probability of the same rise and fall.

2.Pick a good manager. Look at the manager's past performance and experience, background information.

3.Look at the performance ranking of **. Generally speaking, it is better to look at the ranking and the performance ranking of the past year and three to five years, and try to choose the top 25% of the investment in the five, three and one year.

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