The cost of buying a fund with a loan is too high. However, it is worth reminding that the investment cost will rise invisibly when loans are used to buy funds. When investors calculate the investment income, they can't simply calculate it according to the apparent net return rate of the fund.

According to the current interest rate, the interest rate of loans in the past two years is about 6%, and the cost plus other expenses is about 8%. In other words, before you invest, you have already borne 8% of the investment cost.

At the same time, it is still unknown whether the expected income of the people can be doubled this year. According to the fund investment experience in international mature markets, 10%-20% is the original income of the fund. If calculated according to this standard, after deducting the procedures involved in buying and selling funds, the profit margin of loans to buy funds has been greatly reduced.

What's more, the stock market is not completely optimistic this year. With the continuous improvement of market valuation, the current stock market makes fund managers more cautious.