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“人们都说只要长期持有基金就能赚钱,可事实证明情况并不是这样!”张阿姨是位65岁的退休教师,为人师表的她平时温文尔雅,可一提到自己手上的那只基金便火大。张阿姨的养基经历还要从2006年说起,虽然那时股市一片大好,但被股市折腾掉不少血汗钱的她还是决定对其敬而远之。“那时大家都说基金比股票风险小,容易操作,而且股市好基金就好,就算股市不好只要长久持有基金就能赚钱,所以我就决定试试养基。”张阿姨说。张阿姨2006年1月拿出2万元投资了博时旗下的一只基金。在随后3个月的交易日里,她有空就去银行看收益,认真记录当天的盈亏额,可谓煞费苦心。4个月后,资本从2万元变成了3万元,出于落袋为安的心理,张阿姨赎回了该基金。很多亲朋好友都批评她过于心急。于是,6月份时,张阿姨咬了咬牙,拿出自己用于养老的10万元存款投资华安策略优选,并决定这次要坚持做长线。没想到自从2007年10月开始,股市风雨突变,基金行情也直转急下,目前跌幅已超过40%。张阿姨苦苦经营了一年多的10万元如今只剩下6万元不到。张阿姨感觉自己是花了4万多元钱买了一句话:买基金不是保赚的。相信还有很多基民有着相似的经历,一味听信别人的赞美之词而匆匆加入基民行列,而自身对于基金方面的理财知识却知之甚少。那么,张阿姨的养基问题出在哪里呢?
“People say that as long as the fund will be able to make money long-term, but it turns out that’s not the case! ” Auntie Zhang is a 65-year-old retired teacher, as a teacher, she usually gentle, can mention his own hands Only the fund will be big fire. Zhang aunt’s experience of raising their own culture should also be mentioned from 2006, although the stock market was good, but was tossing out a lot of hard-earned money in the stock market, she decided to stay at arm’s length. “At that time, everyone said that the fund is less risky than stock, and the stock market is good. Even if the stock market is not good, as long as the fund is long enough to make money, I decided to try it.” "Auntie Zhang said . Zhang aunt came out in January 2006 20,000 yuan investment in a fund when Bo’s. In the following 3 months trading day, she was free to go to the bank to see the proceeds, carefully record the day’s profit and loss, can be described as painstaking. Four months later, the capital has changed from 20,000 yuan to 30,000 yuan. Out of the peace of mind, Auntie Zhang redeemed the fund. Many relatives and friends have criticized her for being too impatient. So, in June, Auntie Zhang bit his teeth, come up with their own pension for 100,000 yuan investment in Huaan strategy optimization, and decided to adhere to long-term. Unexpectedly since the beginning of October 2007, the stock market has changed dramatically, the fund market is also going straight down, the current decline has more than 40%. Aunt Zhang has been operating hard for more than a year now only 60,000 yuan less than 100,000 yuan. Zhang aunt feel that they spent more than 40,000 yuan money to buy a word: buy a fund is not earned. I believe there are still many people who have similar experiences. They blindly listen to others’ compliments and hurriedly join the ranks of the base people. However, they have little understanding of the wealth management knowledge of the fund. So, Zhang aunt’s nutrition problems where?