According to the data of fund industry association, by the end of 200211,the scale of fund public offering in China has reached 20.59 trillion yuan. It is reported that this data is the first time that China Public Offering of Fund has exceeded 20 trillion yuan, a record high. From this point of view, funds are still the first choice for many investors.
Speaking of today's fund circle, it is very different from the past. The most interesting thing is that young people have become the main force to buy funds.
The fund is "younger" and young people account for 60%.
According to the data published by China Fund Pictorial, among the people who buy the fund, people aged 65, 438+08 to 34 account for more than 60%, that is to say, more than 60% of the "basic people" are born after 90 or even 00. It can be seen that today's funds have indeed become "younger".
Why is this? There are many reasons, for example, young people's financial management concepts have changed, and they are rich in financial management knowledge, and they are buying funds with the wind. In addition, the most important point is related to the "development" of funds now.
You know, there are only two channels to buy funds: direct sales point and agency point. Direct selling points are fund companies, and there are many outlets. For example, banks and securities companies are selling funds as agents.
With the development of Internet, funds have been digitized. Whether it is direct purchase or consignment, you can buy it directly online. For example, official website of fund companies, banks and securities companies, and even mobile apps such as Alipay can directly buy the desired fund.
Because of this, it is much more convenient for young people to buy funds. It can be said that anyone with a mobile phone can buy a fund, which is almost a "zero threshold". But there is no threshold for fund purchase, but it is not so easy to make money from the purchased fund.
Next, let's take Alipay as an example. Let's look at the data. How many people made money by buying funds on Alipay?
How many people buy funds on Alipay to make money?
As we all know, the investment of such funds is risky. Doesn't mean you can make money by buying it. Many people are losing money. According to the latest data released by Alipay 202 1, some people make money and others lose money.
The data shows that the basic people who have held the fund for three months or three years have a particularly large difference in profit and loss. Within three months, only 14% of the citizens earned more than 5%, but 58% lost more than 5%. If we look at the citizens who have held it for three years, 97.5% are profitable and only 5% are at a loss.
As can be seen from this, the fund has both profits and losses. The most important point is that many short-term holders are losing money, while many long-term holders are making money. Therefore, blindly following the trend and buying in the short term are very likely to lose money, and at the same time draw the conclusion that the fund's profit and loss are related to the holding time.
Speaking of it, the profit and loss of the fund is actually related to many factors, and the length of holding time is only one of them. So how can we buy funds to make money? Industry analysts gave three suggestions.
How to buy a fund to make money?
First, the net value at the time of purchase is very important. If you want to buy a fund, you must first understand the principle of making money from the fund. In fact, like most businesses, buying funds is also a "price difference." For example, if you buy a fund and spend 10 yuan, if the fund goes up and sells 30 yuan, you will earn 20 yuan.
Therefore, "buy low and sell high" is a very important principle for buying funds. When buying a fund, you must pay attention to the net value of the fund and the purchase price should be at a low price. After all, when the price is low, there is room for growth. When the price is too high, there is naturally little room for growth, and the chances of making money are naturally small.
Second, choosing the right fund manager will get twice the result with half the effort. Compared with stocks, funds are not operated by themselves at all. You can understand the fund in this way and give the money to the manager to invest and make money. Compared with ordinary people, fund managers have more knowledge and experience and more accurate "control" of the market.
Therefore, choosing a manager with long working time and high profit rate will "get twice the result with half the effort"; On the other hand, some managers who don't understand "operation" or violate the rules may not have much income.
Third, don't sell it as soon as it falls. As mentioned above, whether the fund makes money or not has a lot to do with the holding time. Many people sell stop loss immediately when they see the fund fall, which is a loss. You know, the market is volatile, and falling at this moment does not mean falling forever.
Some funds are right to stop losses in time, but some funds may only fall temporarily. As long as they see that there is room for growth, they can continue to try, but the specific situation still depends on the actual situation, not that they can't sell if they fall.
Generally speaking, no one can guarantee the profit and loss of the fund. The above three points just let everyone know more about the fund-related knowledge, so the chances of making money will be greater. Of course, the rise and fall of the fund is also related to luck, so the fund is not an absolutely profitable project.
For people, if you want to make money with funds, you must understand the knowledge of funds. Don't blindly watch others make money and invest casually. In the end, they may really lose money. I don't know if you have bought a fund. Did you make a profit or lose money by buying a fund? Welcome to leave a message in the comment area for discussion.