Investment options are countless, but risk is paramount.

Are you still playing with funds? Today, let me tell you a few harsh truths about playing with funds, truths that many people have yet to recognize. In fact, there are so many secrets hidden in funds.

Many friends who have played with funds, are currently playing, or are planning to play, should see the truth about funds before deciding whether to continue.

A few harsh truths about funds:

1. 97% of funds in the market have no investment value.

Speaking of this, I believe that newcomers to the fund market may not feel deeply about it, still immersed in the idea of wealth appreciation or getting rich quickly.

For those who have been in the fund market for a long time, the experience is very profound. After playing for many years, they find out that they are still losing money.

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They have also changed many funds along the way, but they still don't make money. What is the reason?

That's right, it's because 97% of the funds in the entire market have no investment value, and the consequences of getting involved with them are not good.

Therefore, we should always be cautious when dealing with funds, always put safety first, because it's easy to buy inferior funds if you're not careful, and the final result is self-evident.2. 80% of people do not make money.

Many people might not believe this viewpoint. Upon seeing this data, they may think it's impossible, right? How could there be so many? In fact, the reality is even more than this.

However, this is one of the harsh truths. Most people who buy funds are essentially giving money to the market and paying brokerage fees to securities firms.

If you are interested, you can ask friends who play with funds around you, have they made money? Ask colleagues and relatives who play with funds, and you will mostly get a result: they are almost all losing money.

Or, if you are interested, you can go to the official website of the fund to see the data published by the fund, to see how many funds have made a profit in the recent three years, and how many are at a loss, and then you will have a rough idea in your heart.

Therefore, the difficulty of fund investment is very great, and the difficulty of making money by relying on funds can be imagined.

3. Investment is the cashing out of cognition, and funds are no exception.

This is the most true and useful point. Many investment masters, including Buffett, Munger, and others, have said a very classic sentence: "You can never earn money beyond your cognitive range."

Don't believe it, this is a very philosophical sentence, which has also been repeatedly verified by reality. Many people have made some money by luck, mistakenly thinking it is their own ability, and then become more and more unscrupulous, and the result is not very good in the end.So, if you want to consistently make money through investment, there are no shortcuts, nor any magical formulas or recipes—it all boils down to four words: enhance cognition.

As your cognition continuously improves, the perspectives, depth, and dimensions from which you view problems will naturally differ, and the probability of success will naturally increase.

Therefore, if you want to make money through investment and ultimately rely on it to achieve a normal life, the best and most straightforward method is to keep learning.

Summary:

All investments carry risks and are highly challenging. Before that, it is essential to thoroughly understand what you are dealing with before making a decision.

Although funds are difficult, there are still opportunities, which require one's continuous effort and learning.

The text mentions the brutal truth about funds, which is very necessary and important for both those who are currently investing in funds and those who are preparing to do so.

After all this, do you still dare to buy funds? Comments are welcome!

Note: The above views are for reference only.Here, we will periodically update valuable insights and common knowledge about fund management to help you avoid pitfalls. If you are very interested in funds, feel free to drop by anytime!

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