I started working to make money in 2016, started fund investment in 2018, started A-share investment in 2019, started investing in Hong Kong and US stocks in 2020, started researching funds and wrote fund articles in 2021, and started reading research reports every day in 2022.
The profit and loss situation in the past few years is that it lost in 2018, earned in 2019, earned in 2020, earned in 2021, and lost in 2022. At the high point in 2021, the cumulative profit was 500,000, but now it has basically lost money, and there is still a little left. ![[笑哭]](http://js.xueqiu.com/ugc/images/face/emoji_34_laughcry.png "[laughs and cry]"){kind=small}
In 2018 , I invested more than 100,000 funds, with a maximum loss of 30% to 40%, and I made money back in the later period.
Lesson 1: Don’t use a shuttle. At that time, it only took me 2 days to buy 100,000 funds, and the funds I bought were highly correlated.
Lesson 2: Buy a base in a bear market, and wait patiently for a bull market to sell. The stock market ebbs and flows, and most funds have a chance to unwind.
Lesson 3: Bear market insists on fixed investment, often with good returns. After a big loss, I started a fixed investment of 2,000 per month, and the income was very good.
In 2019, the sum of the amount invested in stocks and the amount invested in funds amounted to hundreds of thousands, all of which made money.
Lesson 4: In the early stage of a bull market, the market will fluctuate. Hold steady and don’t get off too early.
Lesson 5: Bull markets are born out of hesitation. Although everyone can make money during this period, the investment amount is often not much, so there is a situation where the rate of return is high but the income is not high.
In 2020 , the investment amount exceeded one million, and it was my most profitable year.
Lesson 6: Bull markets die on optimism. I remember that at the end of December, many people around me started to buy foundation. Everyone was talking about Zhang Kun, talking about baijiu, and saying that there would be big red envelopes in the market after the Spring Festival.
Lesson 7: When the market is good, you can allocate funds with low correlation with the current market. The $Tianhong Vietnam market stock A(F008763)$ I bought at the end of 2020 has risen by 44% in half a year.
In 2021 , the investment amount will continue to expand and make a small profit.
Lesson 8: Don’t do the reverse when you see cheap, the holding experience is too bad. Hang Seng/Zhonggai, media, and insurance cost me a lot.
Lesson 9: Spending a lot of time researching funds and writing fund articles will not make my short-term return on investment higher, but it is very beneficial to my investment mentality.
In 2022 , the investment amount will continue to expand, losing 10 points. The loss rate is not large, but the amount of loss is large because the amount of capital becomes larger.
Lesson 10: Hong Kong and US stocks are very risky. You think their products are good, but after buying their stocks, you realize that there are knee folds under the waist fold. 70,000 principal, a loss of 18,000. Among the stocks held, Bilibili lost 87.43%, Weibo lost 74.40%, Kuaishou lost 75.82%, and Blue City Brothers directly delisted, with an estimated loss of more than 80%. Tencent Music gave me some options before listing. After listing, it rose to more than 15 yuan to clear the position. Now it is only 3.9. Ali Health gave me a stock of 22 yuan, and now it is only 3.5. Ali gave my husband more than 200 shares, but now there are only 75. In just 2 years, the share price of Zhonggai has been terrible.
Lesson 11: Keep your positions under control, and you won’t be too panicked when the stock market falls sharply. This year, the proportion of my stocks and partial stock funds has been maintained at around 50% to 60%, and I can attack and retreat. In the past month, it has been adding equity assets. “I am fearful when others are greedy, and I am greedy when others are fearful.”
Lesson 12: Do a good job of asset allocation, try to keep the industry balanced, and not only suppress one or two industries. Now that the overall market valuation is low, I am more optimistic about index-enhanced products, which can not only track the index, but also obtain stable excess returns. I read the fund research report ” Index Enhancement Fund Recommended by Securities Analysts! “, choose to use $ Huabao CSI 300 Enhanced (F003876) $ , $ SDIC UBS CSI 500 Index Quantitative Enhanced A (F005994) $ for asset allocation.
Well, that’s it for my sharing. Welcome to share your own investment stories and investment experience~
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