About the funds I bought in 2020.

/March 2023

Note: no specific suggestions will be made in this article.


but around the 20-year Lunar New year, A-shares inexplicably ushered in a bull market. I bought the first day on January 20th and made a profit of nearly 10%, that is, 2000 yuan, on February 24th. At that time, I saw that a younger brother of mine who never talked about financial management began to say in moments that his fund had made money every day, so I sold it.


the red dot in the above picture is the time when I buy. I can't actually do things like "buy at the lowest point and sell at the highest point", but I don't pursue it either.

the rate of return of the No. 2 fund is basically linked to the Shanghai and Shenzhen 300, so at this point, I think I have indeed achieved to some extent, "if I believe that our country's economy will slowly pick up (even for ten years), then as long as I buy an index fund, one day I will be able to earn back all my losses."

as mentioned earlier, I cleared my position in the No. 1 fund around the Lunar New year, but in April, I bought nearly 50000 yuan one after another. The reason is that I found that the No. 1 fund is a "speculative" fund, and when the market performs well, it will perform better than the market. When the market performs poorly, it will also perform worse than the market.


part II: so what exactly does an investment fund mean to me?


the most profound significance of investment funds to me is that I use randomness for the first time to gain the most direct benefits.

"Bad randomness" means that you have to drive to work now, and all the random events you encounter on the road will only lengthen your commuting time, and you can't reach your destination sooner than you expected because of some accident.

and "good randomness" is similar to the fact that if you buy 10,000 Tencent stocks, it may cost you 10,000 yuan, but it may also make you earn 10,000 yuan or more. "good randomness" does not mean "must earn", but it means "it is possible to earn".

in the process of growing up, in fact, what we most often perceive is "bad randomness", such as the "college entrance examination". Basically, we only screw up the college entrance examination because of accidents, rather than getting higher scores. For example, when we work as a waitress in a restaurant, we only offend our guests because of accidents, and we seldom get a raise because of accidents.

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in fact, I have been thinking about financial management since 17 years, but there are two reasons why I have not implemented it:

second, after earning the first 100,000 yuan in my life, I asked a very rich friend about "how to manage a hundred thousand yuan".

but even if he was euphemistic, I was hit by it. Because that sentence made me realize that what I thought was "a lot" was really very few in the eyes of the market. So the impulse to manage money has been completely dispelled.

because there is only a small cost, it is also an advantage. In this way, you can experience a great emotional experience with minimal loss. People are like this. It is impossible to change without stimulation. It may be a gain or a loss. Anyway, after I am involved, I am really willing to finish reading books related to financial management.

so in a way, "start trying to manage money" is also a good randomness.

and once it is different from the time I bought at that time, not only the future income may be very low, but also may lose money (I personally intend to clear the stock in the next few days).

then, because it was the first time I was scribbling on this topic, I couldn't control my expression so well that some of the content was too lengthy.

Thank you for reading these 3100 words.