More and more people choose investment funds. Can the fund guarantee to make money?

Hello, friends of fund investors. I am an old friend of yours. Daily study fund! Investment funds are actually for making money. Today, let's talk about "How much can an investment fund earn?" Is it reliable to realize financial freedom through fund management? "

As far as I know, there are more and more people investing in funds now, mostly because they hear that funds are easy to get started and easy to make money, so they boldly intervene. Of course, compared with investment products such as stocks and futures, the investment threshold of funds is relatively low. But one thing we must know is that the low threshold is only the standard for entering the market, and whether to make money or not is really another matter. Even in this year's big bull market, there are still many people losing money, and most of them are fund novices who have just entered the market. So how much can an investment fund earn? Is it reliable to realize financial freedom through fund management? Today we will talk about this problem in detail.

1. Investment funds are for making money. I don't know if funds can make money, but what is certain is that as fund investors, the most direct and main purpose of our entry into the fund market is to make money. I think there should be no exception. There may be some people who think that the reason why they contact the fund is mainly to learn or experience the fund. Personally, I don't think what others say is wrong, but in the process of learning and experiencing, you also tend to make more money instead of losing money to play. I may be too blunt to say this, but the fact is that no one wants to lose money by investing.

On the other hand, the purpose of entering the fund market is to make money, which is the performance of the three views. It is a matter of pride to gain asset appreciation through proper financial management, and it is also the embodiment of personal value. The opening of the fund market is to let everyone invest and trade, and let everyone make money through personal ability. If the purpose of entering the fund market is not to make money, then the problem is big.

Second, can investment and financial management make money? I don't think it's necessary to struggle about whether the fund can make money in the end. You can see that there are not a few people who make money by looking at the screenshots of various sun-drying gains on the Internet. Looking at the trend of funds, some funds have doubled their income in the past year. Maybe everyone has heard a saying that the stock market has always suffered seven losses, two draws and one profit, that is to say, 10 shares, seven people lose money, two people lose money, and only 1 person makes money. Is it true?/You don't say. The fund market invests in stocks, doesn't it?

As for whether stocks lose more and earn less, because I have not conducted big data research, I have no say. However, funds and stocks are very different. Stock is a matching system. You sell it and I buy it at the right price, while buying a fund allows the fund manager to invest in the stock. There is an essential difference between the two. Although all the money you buy a fund is invested in stocks, in essence, you are investing in the fund manager and one of his fund products. Generally speaking, if you choose a fund manager, there is not much problem with the fund. In the long run, you should be the one who loses money among 10 people. But whether you can earn it depends on your buying time and holding time.

However, according to the comprehensive historical data, because the fund investment is handed over to the professional team to invest in stocks, it has certain advantages over the stock retail investors. Under the premise of making good decisions and planning, it should be no problem to make money. However, it is impossible to stabilize profits. If you choose an unreliable fund manager, or encounter a big bear market, or buy at a high level, you must be prepared for losses.

Third, how much can an investment fund earn? We have made it clear that the purpose of buying funds is to make money, and investment funds can really make money. Then let's get to the core of this article, "How much can an investment fund earn?" Is it reliable to realize financial freedom through fund management? "

To tell the truth, this is a very imaginative question. Everyone's investment and financial management experience is different, the amount of funds is different, and the target expectation is definitely different. Xiao Bai may think that as long as he makes money, it will be fine. Those who deposit time deposits may think that it is good to have higher income than regular financial management. However, friends who have some financial experience may at least ask for income to outperform inflation. Friends who have done stock trading or venture capital may have higher requirements than you think. So this question will be very interesting.

Personally, I think it may be necessary to limit your imagination in combination with my personal experience. Although funds can make money, as we all know, money is never easy to make, and so is work, especially investment, so funds are no exception. Therefore, I sincerely tell you that the income of investment funds should be treated rationally in several different target expectations:

First, the bottom line is not to lose money. The minimum target income should be to outperform bank deposits. The second target income should be to outperform inflation. The third target income should be to outperform the Shanghai and Shenzhen 300 in the same period. The ultimate goal is to achieve considerable income and even financial freedom. Of course, this is also the goal of pursuing higher returns step by step. It is unrealistic to achieve the goals one by one. If you don't pursue your ability hard, you will only hurt yourself and lose more. Let's break down these five goals one by one.

1, the primary goal is not to lose money.

In fund investment and financial management, it is not easy to make money, but it is also easy to lose money, so the bottom line of our investment fund is not to lose money. Some people say that it is not easy not to lose money. In fact, for fund novices, not losing money is already a very demanding requirement. It is actually very difficult to enter the fund market for the first time without losing money, because unlike other fixed-income wealth management products, funds only go up and not down. Once you encounter several major adjustments, or continuous adjustments, many novices will not dare to cut their meat and stop losses. For friends who have certain fund experience, it is even harder not to lose money. Because I feel that I have enough experience, I definitely don't want to be cautious. The position must be much higher than that of the novice period, and the style must be much more radical in order to obtain higher returns. As the saying goes, most people who drown can swim, because all those who can swim are in deep water.

What I want to say is that both novices and veterans should always be in awe. Our primary goal and bottom line is not to lose money, and we must persist in not losing money for a long time.

2. The minimum target income outperforms the bank deposit interest rate.

Compared with other wealth management products, bank deposits are very popular and trusted by everyone. Although the relative income of bank deposits is relatively low, there are still many conservative wealth managers who put most of their money or even all their savings in the bank. People choose bank deposits because they have two advantages, one is that their assets are guaranteed, and the other is that their income is guaranteed, which other wealth management products do not have. To tell the truth, bank deposit is indeed one of the most certain financial management methods at present. Here, I just want to remind you that a small amount can be deposited in a small bank because the relative income will be higher. But a lot of money must be deposited in large state-owned banks. Because of all kinds of non-performing loans now, small banks will have a certain risk of bankruptcy, and there have been cases of small banks closing down before. In the event of bankruptcy, the state guarantees a maximum of 500,000 principal. We choose the bank only for peace of mind, and don't take risks for a little more interest. What's more, be sure to ask whether the deposit is a bank term or an insurance product. Insurance is not guaranteed, and the state will not pay.

Therefore, before investing in funds, we should know that risks and returns are directly proportional. In other words, if you want high returns, you have to take greater risks. Investment funds are relatively risky, and they may not only make money, but also lose money. Therefore, our minimum income goal should be to outperform the risk-free bank deposit rate. If we can't run, we have actually lost money.

3. The second target income outperforms inflation.

Everyone must have heard of inflation, but I don't know how much you know about this word. To put it simply, our money is depreciating every year. I dare not draw a conclusion about the depreciation value, but it should be higher than the bank time deposit under normal circumstances. So in other words, your money has been depreciating, even if there is a bank to manage time deposits, it is still depreciating every year. The longer you keep it, the more it depreciates, but compared with cash, it's still good.

Then our second goal is very clear. Investment funds are for asset appreciation, and only by fighting inflation can they really appreciate. Of course, although the value of inflation is higher than the interest rate of bank time deposits, it is not very high. If you invest in the fund reasonably, it can still be achieved.

4. The third target income outperformed the Shanghai and Shenzhen 300 income in the same period.

The fund invests in stocks, and there is a core income indicator in stocks, which is the income of the Shanghai and Shenzhen 300 Index in the same period. Generally, the increase of the Shanghai and Shenzhen 300 index in the same period is regarded as the watershed of income. If it exceeds, it means that the overall income of your fund is still good. If it is profitable, but it does not exceed the income of the Shanghai and Shenzhen 300 Index in the same period, it shows that our profitability needs to be improved. It is better to directly invest in related varieties such as the Shanghai and Shenzhen 300 Index.

Of course, the market is changing every day, every month and every year, and the gains of the Shanghai and Shenzhen 300 Index are not just profits. As fund investors, our ideal state should be that the overall income exceeds the Shanghai and Shenzhen 300 in the same period when it rises, and the decline in income is less than the Shanghai and Shenzhen 300 in the same period when it falls. If you can do this for a long time, then you can be called a qualified fund investor, which is also my long-term goal and pursuit.

The ultimate goal is to achieve considerable income, even financial freedom.

Finally, we come to the ultimate goal, that is, investment funds can get considerable income and even achieve financial freedom. Can this goal be achieved? I want to talk about these two points separately.

First of all, let's analyze whether the fund can achieve considerable returns. We often say that funds are relatively stable investment varieties in venture capital, and our investment funds mainly exchange time for space. So can the fund achieve considerable returns? Personally, I think it is very possible if you set foot on the right market. Sometimes it can even be achieved in a short time. Take this year's market as an example. Years later, many medical funds doubled or even more. After that, the technology semiconductor and other sectors doubled, and the large consumer sector almost doubled. Now, new energy sources continue to double. If it is laid out in time after the year, it is absolutely possible to double the income. I think doubling in a short period of time should be considered a big income.

Then talk about financial freedom. Financial freedom should be analyzed in combination with your principal and the rate of return you want. If you have100000, you will be financially free if you reach 20 million, then you have achieved financial freedom in this wave of market this year. If you only have 1 10,000, it is very difficult and unrealistic to realize the financial freedom of 1 10,000. Judging from our historical high-yield fund, the current establishment income is 65,438+0,925.88%. If it had been bought in Man Cang, it would not have been impossible to achieve financial freedom. The key is to choose well and grasp well.

It is very important to set a reasonable target income for any investment and financial management. I don't know if you agree with the above five fund goals. Please reply "666" if you understand and agree, and reply "No" if you don't understand. Please leave a message for discussion.

4. Whether investment funds make money is a simple summary of 1. In this article, we mainly talked about "how much can investment funds earn?" Whether financial freedom can be achieved through fund management. "Although it was a small talk, I also carefully analyzed the fund's ability to make money. The key depends on personal ability and some luck. Although you can support or earn a lot of money, not everyone can. We should combine our own abilities and do what we can. Don't get more than one bargained for, it's not good.

Although we invest in funds to make money, the bottom line is not to lose money. The lowest target income should be outperforming bank deposits, the second target income should be outperforming inflation, and the third target income should be outperforming the Shanghai and Shenzhen 300 in the same period. The ultimate goal is to get rich returns, even financial freedom. According to your own ability and assets, you can still achieve the first three goals by using spare money to allocate funds in a planned way. The fourth goal suggestion is just to think about it, not to take it seriously. Of course, there are precedents for realizing financial freedom through funds, but after all, it is very few and will basically not be one of us.

3. The fund is a long-term investment and financial management. I hope everyone can study and practice in a down-to-earth manner. As a wealth management product, funds have different risk types and are almost suitable for most investors. However, it is necessary to choose a fund that suits your risk preference, and finally form your own reasonable fund collocation and operation style. This is the correct way to achieve long-term stable income and finally achieve ultra-high income.