每日钉一下（为啥牛市是散户亏钱的主要原因？）

Group 1 - Fund regular investment is a suitable investment method for lazy investors, and it is essential to prepare before starting and to create a solid investment plan [2][3] - There are four methods of regular investment, and it is important to determine which one is most suitable for individual needs and how to take profits [2] Group 2 - The statement that bull markets are a primary reason for retail investors losing money may seem counterintuitive, but it reflects reality [6] - The first common reason for losses is chasing prices, where investors tend to buy at market peaks during bull markets, leading to higher costs [7] - Another reason for losses is frequent trading, which can cause investors to miss out on gains and experience losses despite overall market increases [10] Group 3 - Investing in stocks should shift away from a trading mindset; instead, it should be viewed as owning a basket of companies through funds, which allows for easier management without direct involvement [12]