基金定投也开始亏钱？大多数人踩了这2个坑，改正立刻见效

Core Viewpoint - The article discusses the challenges faced by investors using systematic investment plans (SIPs) in mutual funds, highlighting that while SIPs are not inherently flawed, poor operational choices lead to significant losses for many investors since 2025 [1] Group 1: Common Mistakes in SIPs - Many investors mistakenly believe that SIPs are universally effective, leading them to invest in high-volatility thematic funds or new funds without historical performance data, resulting in substantial losses [3] - The article emphasizes that SIPs are best suited for broad index funds, such as the CSI 300 or the CSI 500, and stable mixed funds with a track record of over five years, while single thematic funds and small funds should be avoided [3] Group 2: Misunderstanding of Investment Discipline - Investors often misinterpret the advice to "keep investing more during downturns," leading to increased investments during prolonged market declines, which can exacerbate losses [4] - The article suggests setting clear stop-loss and take-profit levels, recommending a 20%-30% target for profits and a stop-loss if losses exceed 25% or if there are significant changes in fund management or performance [4][5] Group 3: Practical Investment Strategies - It is advised that the investment amount should be calculated based on disposable income, suggesting a range of 30%-50% of the difference between monthly income and expenses to ensure financial stability [5] - The use of "smart investment" features available on major platforms is recommended, which can adjust investment amounts based on market valuations, potentially reducing costs by 8%-12% compared to regular SIPs [5] Group 4: Conclusion on SIP Effectiveness - The core principle of SIPs is to average costs over time and adhere to disciplined investment practices, which are essential for wealth accumulation despite market volatility [5]