Many wealth management products are linked to the stock market, and the expected income will be affected by the stock market. What is the impact on the fund? How should our investment respond? The following small series brings stock market volatility and intensifies the influence of the fund. Let's take a look at it together, hoping to bring some reference.

What impact does stock market fluctuation have on the fund?

Increased stock market volatility will definitely affect the fund. Generally speaking, the relationship between the stock market and funds is a positive change. When the stock market is in a bear market and most stocks fall, then most funds will also fall. When the stock market is in a bull market and most stocks are rising, then most funds will also rise.

Although in general, the change of funds is positively related to the stock market, some funds have little reaction to the shock of the stock market, or some funds are not affected by the stock market, or even have a reverse relationship.

According to different investment targets, funds can be divided into money funds, bond funds, hybrid funds and stock funds. Among them, hybrid funds and equity funds are most affected by the stock market, which is basically consistent with the changes in the stock market. This is mainly because the main investment targets of hybrid funds and equity funds are stocks, and both funds are basically a combination of a basket of stocks. When the stock falls, the net value of the fund will also fall.

Money funds and bond funds are basically unaffected by the stock market, and bond funds may even change in the opposite direction to the stock market. Money funds and bond funds are not affected by the stock market mainly because money funds mainly invest in the money market, while bond funds mainly invest in the bond market.

Why is it possible for bond funds to move in the opposite direction to the stock market? It is because when the stock market is in a bear market, people are reluctant to put money into the stock market, and the return on stock investment is not high. Instead, they will put more money into the bond market and push up the bond price, so that the net value of bond funds will also rise.

How should our investment respond?

In the face of increasing stock market volatility, we should mainly prepare for the following two points.

The first thing is to be prepared for long-term investment, although in a short period of time, the stock market is affected by many factors, and the stock market volatility is intensified. But in the long run, with the strengthening of loose monetary policy and the gradual promotion of "steady growth" policy, it is very likely that the stock market will rise after a period of time.

Secondly, we should adjust our investment portfolio. Under the background of increasing stock market volatility, we should reduce the proportion of high-risk investments and enhance our ability to resist risks. Try to give priority to prudent financial management, reduce capital losses and improve the expected rate of return.

Seize the stocks with continuous daily limit.

In the mid-line stock picking skills, if you want to make a medium-long line layout, you must look at the current market situation. You can refer to the annual line (250 antennas) and semi-annual line (120 antennas) of the market index. If the trend is above the annual line and the semi-annual line, it means that it is not a bear market at present. In the face of national policies, investors should not be lucky enough to grab the rebound or choose to buy people, but should wait and see to clear their positions. If the stock market rises sharply, it is necessary to follow the trend and hold shares in the medium term.

Mid-line stock selection should be comprehensively analyzed from six aspects: K-line shape, technical index, relative price, company fundamentals, market trend and stock theme. We should give up some stocks with high P/E ratio and prices much higher than their intrinsic values.

As for how to seize the stocks with continuous daily limit? The initial share price rose by more than 6%; Must be "heavy"; The greater the increase, the stronger the trend and the more favorable it is. Among the key conditions of daily limit, the opening price is 2-3 points higher and the opening price is not more than 2 points lower. The decline process cannot be heavy, and the heavy volume is suspected of shipping; The closing price is near yesterday's closing price, so it is best not to form a gap.