In 2006 and 2007, a wave of bull market opened, funds were hot and the number of people entering the market was unprecedented. However, because the Internet industry at that time was not as good as it is now, the general public mostly obtained financial information through TV, newspapers, bank outlets and staff introductions. Lack of awareness of funds. The smell of the financial crisis in 2008 blew all over the earth, and leeks were harvested one after another. The wind at the top of the mountain was too cold.
I have always stressed that financial markets make money by ability, and you can only make money within your own cognitive range. If you are lucky, you can earn once or twice, and finally you have to spit it out and even get stuck.
What does the investment system include? If the fund is held for a long time, how to deal with the loss?
For example, the main situation, high takeover, long-term losses.
First of all, we need to fully understand this fund, what industry it is, what type it is, whether it is an active fund or an index fund, which fund company the fund manager manages, and evaluate the long-term market trend.
Cut it off.
Many people will say that since it is a quilt cover, it should be held until the bull market comes. Others will say, there is only 40 thousand yuan left, and we will wait until we get back to our books.
That's true. Chances are, it skyrocketed after you cut it. However, because of these ideas, you have held this fund for 1 1 year.
I don't know what fund you bought. 1 1 year is not profitable, and this time cost is too expensive. Since the performance is so poor, isn't it good to cut it off for a stable income and have a strong performance in the past few years?
Although short-term bad does not mean that there is no level, it has been 1 1 year, and it is really not level. Since a fund has been proved to be bad in performance, let go of the original mistakes.
Just as the Chinese New Year is coming, I wish the subject and all the dogs a happy New Year!
No matter what product it is, change it quickly. How much Public Offering of Fund did you lose? This reflects the investment target and the ability of fund managers.
You didn't say specific purchase funds and products. You can only estimate equity funds (including stocks and equity), which are divided into active and passive funds.
Passive category means that the index fund you bought may be bought at a high level of 6000 points. Now the Shanghai composite index is more than 3000 points. It's not impossible to return to 6000 or 10000, but I don't know how long it will take. If the index really rises that much, choosing a good fund manager may yield much higher returns, so change it.
The initiative is the fund manager's stock selection ability. Many public and private stocks have a net value of more than 6000 points, that is to say, even if you buy at the highest point of the index in 2007, you have already made money. But you haven't lost money yet, which shows that this fund manager is too bad. Hurry and change to a good one.
First of all, I think this is directly related to your principal. If your principal is more than 500,000, then your loss ratio is actually less than 8%. Then I think these losses should not reach the stop loss line of most investors, unless the investment target of this fund is thundered, I suggest you continue to hold it.
I have been holding funds since 2007. First of all, I praise you. You are a reliable person. So what changes have taken place in the index since 2007?
The biggest event in 2007 should be the 530 incident:
In 2007, the highest point of the stock index was 6 124, and now there are only over 3,000 stock index points. After 2007, the China stock market took a roller coaster ride, so I don't think the Shanghai Composite Index will return to that high point in 2007 in the short term, but I am still optimistic about the market situation in 2065,438+08. I think it's really a pity to buy an index fund, and it will come out during this period. Because the plunge years ago caused the Shanghai Composite Index to fall to 3,000 points, and the market conditions in the next few days were good, and it was close to the publication period of the annual report. The probability of another plunge in the short term was not great, and it was more a shock adjustment.
Of course, if you don't buy index funds, please analyze the target of fund investment and then analyze the market of the target. I hope you can get rid of it as soon as possible.
Eleven years from 2007 to now, it is still a loss. Then you must have bought a very expensive price, which is almost at the top. If you bought it at a high level of 6000 points, if you bought the Shanghai and Shenzhen 300 Index, you are still trapped. Because ten years have passed, the index has not yet reached a record high.
Many people like to buy all the stocks at once, which is a very blind behavior, and it is strange to lose money. If you decide to buy at that time, the situation will be different, because the time of standing at the high position is often very short, and the time of hovering at the low position is relatively long. If you decide to buy for a long time, your cost will naturally drop to a very low level. If you decide to buy, you will have a lot of profits now.
Now it has been covered by the fund of 1 1 year, and it is estimated that it should be almost over. You should stick to it. Cutting meat is not advisable. At the same time, you open a fixed investment, and then continue to buy in a fixed amount every month, and gain an asset advantage by reducing costs.
I happen to have two funds invested in 2007, which have lost 50% to three times the current income. Share my own operation.
The picture below shows the fund I invested in. The first two funds were invested in 2007. Bank of communications growth and SSE 50. Fixed investment for three years, lost 50%. Because I met the first bull market to bear market. However, my operation has always been a fixed investment. When the Shanghai Stock Exchange reached the lowest price in history, I began to increase the quota of fixed investment. I met a bull market on 20 15, and my loss doubled in one fell swoop. Bank of Communications grew at a record high of 20 15, and SSE 50 returned to the price I had invested in. But because I increased my quota investment at its lowest price in history, it was equivalent to amortizing the cost, which was very low. This is also the most important reason why I turned from loss to profit. At this time, my operation is part of taking profit, which is safe. The fund must take profit and cannot stop loss.
Later, the bull market turned into a bear market, and these two funds returned to their original shape from the highest price, while I started to triple my fixed investment from the lowest price. Now, both funds have hit record highs in the same period. I'm making a profit again. This is my mantra, bear market sowing, bull market harvesting.
And your fund lost money, one is that you didn't insist. When you lost money, you decided to invest, but you kept waiting. In addition, there is something wrong with your fund selection. Because even if I don't triple my investment in the bear market, my fund will not only make a profit, but also double my normal investment for at least so many years. I don't know what your payout ratio is, but it doesn't mean much.
I hope my answer is helpful to you.
If you still lose money after holding the fund for so many years, you should consider whether the fund you hold is valuable. I suggest changing the fund held by a fund manager with good performance and investing in it. In the long run, there will be good returns.
The landlord only said that the loss was 40,000, but did not say how much the principal was invested, and whether there would be additional investment or fixed investment in the future. In fact, it is not easy to simply judge how to deal with it.
As a long-term investment tool, funds usually look at long-term investment returns instead of short-term profitability. The funds usually used for fund investment are also funds that are not urgently needed in the short term. Of course, the landlord held it for a long time, but he still lost money. I think we can consider the following points.
First of all, let's look at the recent capital demand. If you need money urgently, you need to borrow foreign debt or even pay higher interest, or have better investment channels to determine the income. In both cases, the fund can be sold first.
Secondly, it is important to analyze the historical performance of the fund. The fund website has some basic analysis data every day, which can be used to judge the quality of the fund. Generally, a fund with a higher rating, preferably five stars, is selected first, and then the income of this fund in the past three, five and ten years is integrated. Finally, the quality of this fund is evaluated by integrating the scale of the fund, the style of the fund manager and the overall performance of other funds of the fund company. Although the landlord said that the things he bought in 2007 have been losing money, it doesn't completely mean that this fund can't work. Maybe he just bought it at the highest point, and then didn't add some investment at the low point, which led to high cost. Therefore, it is necessary to judge whether it is worth having again based on the analysis of the fund itself.
Finally, if the comprehensive evaluation is good (of course, the probability is not too high, the biggest possibility is that the fund itself is not performing well, so it has been unable to break through the high point in the future), you can consider continuing to hold it, and then buy some at some low points to reduce costs. For junior investors, it is generally recommended that the fund should make a fixed investment to reduce risks. When the funds are abundant, when they fall much, you can invest more money, and slowly, the cost will be reduced. Of course, after the final increase, you have to take profit. You can look at the income when the fund size is set to profit. For example, if the income reaches 20%, sell half first, and then sell the remaining half, depending on personal risk perception. However, if you decide to make a fixed investment, even if you sell it, you should continue to insist on making a fixed investment until the overall rating of the fund changes, such as changing the fund manager and getting worse performance, before you consider withdrawing completely.
Of course, if the comprehensive evaluation of the fund is poor, then you should consider quitting for a better fund or changing the investment mode.
When investing, it is easiest to overestimate returns and underestimate risks. When it rises, it feels like it will continue to rise. When it wants to sell at the highest point, it always feels that it will not fall soon. You can continue to hold it, and the more you lose, the less you stop loss. It is a very important reason for investment failure.
Now that we have lost money, the landlord will take this as a lesson and be more cautious in the next operation.
Because the topic does not give specific financial situation, loss ratio, and specific fund or fund category, it is difficult to give you advice, only give some general reference:
Because the product and definition of the fund encourage the holder to hold it for a long time, if it is an index fund/passive fund, it is usually recommended to continue holding it, and time can overcome everything. Saa's traditional strategic allocation is to set long-term holding according to risk preference, only to rebalance in the middle, and to minimize the adjustment of intermediate tactical asset allocation. Don't overestimate your ability to predict future market trends and your ability to choose time and assets.
So the suggestion to the subject here is to see how the subject intends to take over this previously imperfect/forgotten strategic goal. If you take SAA mode, check whether it meets the current risk appetite, adjust your position, and continue to hold other asset portfolios.
Another suggestion is to take over with the trend tracking/momentum rotation configuration strategy, and then check whether it is in line with the current strategic position. If it is, continue to hold it. If it is not, cut off the position change.
Remember not to dwell on the cost of silence in the past 1 1 year. What you need to face is that what you need to do now is to choose a system, take over a new location, build a new configuration, and move on according to your risk preference, instead of obsessing about the cost of silence. Regardless of economics or investment allocation, silent cost is never a cost, and people usually have loss aversion, which leads to the fallacy of silent cost.
In fact, this feature, whether it is investment funds, stocks, futures or even social life, should be avoided as much as possible.
After all, if 1 1 year passes in the blink of an eye, time can't be traced back. You don't have to worry about what to do at all. Just choose the system to take over the old position.
Seeing this problem, I still lost 40 thousand from 2007 to now, and I don't know how you usually buy and operate.
The following screenshot is the fund income shared by a netizen.
The loss is 40,000, depending on the performance of the fund company you hold and the annual income, and then only make a fixed investment every month to reduce the loss.
If the fund company's performance is not good, or part of it is bought, the strong man will break his wrist and sell it all to buy other funds to reduce losses.