This article is reproduced from an Episode, author Jian Ning
The most popular social currency in 2021 must be one of the "funds" that are frequently listed in the hot search. Suddenly, everyone became a Heartbreak Fund girl/boy. The fund discussion forum has become a "blind date", and many people have posted "heartbreak fund girls/boys seeking acceptance" and are active in major fund discussion (phase) discussion (relative) groups.
There are endless jokes about funds. "If you didn't break into my life suddenly, at the end of the month I have at least more than 200 left." "Did you see the highest point? I'm in that stud."
"If you don't look at it, you have no loss." Even if you choose to close your eyes and uninstall all fund apps, cafeterias, workstations, and toilets, no matter where you go, you still cannot escape the barometer of market sentiment and fund ups and downs.
The story of young people and the fund, what direction will it look like in 2021?
The day the market broke through 3,600 points, I was so happy that I was dizzy.
Hong Tongtong | Former bank clerk | 26 years old | Base age 4 years
The first time I bought a fund was when I was working in a bank. At that time, I bought a fund recommended by the bank's chief, but I didn't care too much. After a while, I opened it and found that it has risen a lot. At that time, I felt that the fund could be bought, but I didn't buy much, and I didn't have much savings just after graduation.
On the first day after the opening of the Chinese New Year last year, because of the pandemic, the stock market fell sharply. I was so scared that I redeemed the fund. But the next day, it rose sharply, and I was rolling in bed with heartache.
After communicating with my sister about this matter, I found out that she had bought more than a dozen funds, and I happened to have a deposit, so my mind became more active. At the beginning, I was cautious. Most of the money bought bond funds with relatively low risk, and some tens of thousands bought stock funds.
As a result, the stock market last year was particularly good. In contrast, the performance of bond funds was not good enough. I gradually became bold. In November last year, I took out all the money in the bond fund to buy a stock fund. After including the stocks, I have put all my deposits into it.
After that, I caught up with the surge in December and January of this year. During that time, I was really up and the day when the Shanghai and Shenzhen Index broke through 3,600 points, I was so happy that I was dizzy, and I was really dizzy physically.
I have to update the fund-related apps dozens or hundreds of times a day. If there is a big increase in the day, I will continue to update the income from 6pm. I know that the update time has not yet arrived, but I can’t help but want to open it. On weekends and holidays, I feel very lonely when I see the numbers do not move.
Now I have nearly 20 funds. The number of funds is increasing, and I started to make exclusive excel tables for it. I need to know the cost and income of each fund. It is too troublesome to click one by one in the APP, and I always feel that I don’t have the information I should have. .
I spent a lot of time choosing and comparing funds, caring for them like a baby. For those with similar holding styles, I will observe for a period of time, and I will keep one or two for the performance, and the track will be more comprehensive.
I formulated my own strategy for raising the base. The fixed investment is like planting leeks. When it gets fat, I cut it off. Generally, if the income reaches 15-20%, I will sell a part of it. Because of so many funds, the monthly fixed investment is more than 20,000, and I have to repay the loan every month, and I don't have that much money. However, for star fund managers like Chunchun (Liu Yanchun) and Kun Kun (Zhang Kun), I try to hold them for as long as possible.
This excel sheet is updated frequently because I have to check which funds are "familiar" from time to time. Every time I look at my watch, I feel very satisfied, even how it looks more beautiful, I also designed it, not just put it there.
I was very proud of my strategy, but last year, it was not very smart. The smartest way is to buy a lump sum at the beginning of the year and not move. In this case, many funds have 70%-80% returns. But this is all an afterthought, who knows the rise and fall after a year?
Just like around the Spring Festival, everyone said that it would rise after the holiday, but it fell sharply for 5 days. On the first day of the fall, I was disappointed; on the second day, I was uncomfortable; on the third day, I was so painful that I started to "practice" and sent all kinds of red things. I posted four big red photos on the little red book, and I wanted to "press one". Pressure" this downtrend.
On the fifth day of the consecutive decline, I felt like a Buddha, and the leek beast had evolved. I stopped using the Fund App frequently and started to clear my mind.
The stock-buying mentality is very important, and I also figured out my own tips. If it rose sharply, I would sell a little bit; if it fell sharply, I would buy a little bit too. The amount is not important, the key is to have this action. In this way, regardless of whether it is going up or down, the mentality will be better.
I was visiting the supermarket on the last trading day before the Chinese New Year. The rise was so good that day. I was standing next to a pillar with a supermarket basket and was very entangled. Selling or not selling? In the end, I "sell tactically" and only sold 3,000 yuan. I think this will help me to stabilize my mentality after the plunge in the next year.
Generally speaking, my mentality is not bad. After all, when I was not sensible, I lost 200,000 and 130,000 in stocks. As for the fund, after a round of ups and downs around the Spring Festival, it is basically no profit or loss now.
5 consecutive days of decline, 5 consecutive days of bargaining, I am still too naive
Ying | 27 years old | media worker | base age 3 years
In 7 days, the return of the fund retracement by 15%, my heart is broken.
On the first day after the Spring Festival, everyone thought it was a good start, and I also felt that the start was "steady." During the seven days of the Chinese New Year, I kept reading financial news. These news told me that U.S. stocks have risen again, global commodities have skyrocketed, and Hong Kong stocks have been in a bull market, and A-shares must have stabilized.
But I'm still too naive.
The A-share market was still red at the beginning, and then I felt that the wind direction was wrong. Although the whole market rose more and fell less, the consumer fund I was heavily invested in bucked the trend and plummeted. On the first day of the fall, I increased my position by 10,000. Although I feel that it is a bit early to "buy the bottom", I think it is more cost-effective than those who increased their positions in the last two days before the holiday. It fell again the next day. I didn't think it was a problem. The next day, I added 10,000.
Day after day, five days after the holiday, the "Baotuan Fund" plummeted. I added 50,000 consecutively, which was too high. On the day Moutai plunged by 5%, I firmly increased the position of a well-known "château" fund. I thought to myself that it is rare for Moutai to plunge by 5%, so I decisively increased the position! Now that I think about it, I regret it again. I think it was too early to increase the position, but the increase has been increased, so I can only wait.
Thinking back about it, my investment style is too sloppy, it's all intuitive. This is also related to the time I entered the market. I started to buy funds in July 2019. I have not experienced the “severe beating” of the market and I am not aware of risks.
In the past two years, the skyrocketing of funds is not an "urban legend" for me, but a process that I experienced (pei) (pao) personally. I have a total of more than a dozen funds. At the beginning, I made a "small test" on the recommendation of small financial partners around me. I bought funds with brighter long-term prospects such as heavy warehouse consumption and medicine. Later, I also bought technology, Industry-based theme funds such as semiconductors and new energy.
Slowly, I became a "money girl" in the eyes of others.
Once I was also an ordinary girl who loved to travel, watch all kinds of food, fantasies and fall in love with male gods. But buying a fund opened up another world for me. I began to pay attention to various financial public accounts, began to learn the fragmented knowledge of semiconductor, photovoltaic, machinery, and electronics industries, and began to read books by Howard Marx, Charlie Munger and others. .
Gradually, my perspective on the world has also undergone some changes. When I see Sister Lang, I may reflect on why I didn’t buy the stocks of Mango SuperMedia. When I see luxury goods, I feel that it’s better to take money to buy the base and appreciate the male god. He has also changed from Mr. Ju to the spring of the fund circle...
There are also many experiences of being cut off. In the past two years, although the market has generally been rising, I have also bought some very bad funds. When I bought it, it was already at its high point, and it has not risen back since.
Investment is a process that seems to grow every time after being cut, and then continues to fall into the pit the next time. Sometimes, after falling, it seems to be redeemed for safety, but after a few months it will rise again. Looking at it later, you will find that you have sold at a low point. Most of the time, I only bought two or three thousand at the beginning to try, and when I went up to taste the sweetness, I would regret how I bought such a little bit. The large troops who accidentally chased after it stood on the top of the mountain.
I usually use a credit card. After the salary is paid, I pay the credit card first and invest the rest in the fund. A little change will be left in WeChat. The same is true for the people around me. Almost all the money is in the fund, and bank savings are basically negligible.
I didn't borrow money to buy it, so my mentality is okay. I just closed my account and didn't look at it after a continuous drop, and I didn't lose money when I closed my eyes. It’s very similar to the popular background music on Douyin, "Finally closed your eyes"... After
the salary is paid, I will increase the position, as the paragraph said: "The main contradiction is that the people hold The contradiction between the depreciation of cash and the loss of the investment."
I put all my dowry into the fund
Wendy | 30 years old | Market | Base age 2 years
I first bought the fund in October 2019. I didn't know how to choose a fund at the time. A good friend gave me a fund code directly, and I bought it.
I bought 200,000 yuan, just in time for the bonus period. Last year, this fund rose by 55%, so I made money inexplicably. At the time I didn't even know what a position was, and it was a bit of Versailles.
After meeting my husband, we formulated a new financial plan. My operation method is also very simple, that is, my husband tells me that I can buy it, and I just buy it.
I have invested in my dowry, and half of the fund I hold now is my dowry.
The market in the first two years was very good, and I firmly believe that the fund is long-term. I don't decide to invest, just buy it at once. After buying, whether it goes up or down, I don't care about it.
But in the past two months, funds have been frequently searched, and it's hard not to pay attention. Sometimes when I swiped on Weibo, a few of them would pop up, and I couldn't help but look at them. But once I want to see it, I will go there unconsciously every day, which actually affects my mood.
Since last week, I decided not to watch it. Years later, the market has not been very good, so how much money I lost last week, I still don’t know.
I said to myself, anyway, the fund is long-term. The money I made today is not the last money I made, and the money I lost today is not the last money I lost. There are surprises.
But I still can't help the stocks, because the stock market numbers are constantly changing, which will affect the mood very much. So I deleted all the stock apps.
Compared to stocks, I still prefer to buy funds, because funds don't need to use their brains. From the perspective of my operation, I don't have to worry about the wrong operation.
But my colleagues are not like that. They will study the strategy of selling high and buying low, and often get frustrated at their positions. You shouldn't increase your position this month, and the increase will decrease again next month. The mood is always volatile, sometimes very irritable. On the contrary, a one-time purchase like mine will have a more stable mentality.
Although I decided not to look at the fund and the stock market, as soon as I went to the bathroom, I would definitely know whether the market was up or down today. In the bathroom, I can often hear female colleagues scolding funds and fund managers. A few days ago, I also heard a colleague say, "Last year Zhang Kun was an idol Kun, this year Zhang Kun was ashamed of Kun."
I think the fund manager is also very wronged, because everyone only mentions how much money he has lost, and the operation has lost 8 points, but everyone never mentions how much money is paid back.
Today, my colleagues are in a good mood, so the market should be pretty good. Thinking about it now, when I invested all my dowry in the fund, I was still quite fearless. Because I don’t understand, I’m not afraid. Now that I gradually understand a little bit, I won’t be so bold (laughs).