With the continuous rise of the A-share index, there is bound to be a callback risk, so how to deal with the callback? For investors with lower positions, is it an opportunity to add positions? Do you still need to manually add positions after the fixed investment? Bian Xiao sorted out whether the market callback should be added here for your reference. I hope you can gain something in the reading process!
Many investors think that fixed investment is a lazy investment method once and for all. If you make a fixed investment, you can wait to collect rice. Indeed, if the cycle is lengthened, the probability of losing money by fixed investment is negligible. However, there are still many things we can do for our small partners who want to improve the efficiency of capital utilization and obtain higher excess returns.
Many investors may wonder, since the fixed investment is already a continuous batch of positions, why should we manually add positions? How to add it?
The significance of jiacang
After the fixed investment reaches a certain number of periods and the accumulated fixed investment amount reaches a certain order of magnitude, the proportion of single fixed investment to the total investment is getting smaller and smaller. At this time, the leveling effect of fixed investment is far less obvious than that at the beginning of fixed investment.
Regularity has always been "take profit without stop loss". In the falling market, opening positions in time can absorb more cheap chips, and every big drop may be a better opportunity. Once the market improves, the cheap chips obtained from these positions will bring many surprises to your position income.
When the market falls, before thinking about "how to increase the position of fixed investment funds", you must first know the preconditions for increasing the position of funds:
1, the fund you choose to invest in is no problem. You have to choose those fund products with relatively large fluctuations, and only when there are fluctuations can you slowly add positions and dilute costs in the falling market; In addition, it is necessary to ensure that there is no problem with the fund itself, that is, a fund worth holding for a long time.
Investors with higher risk tolerance can choose equity funds and hybrid funds to add positions. Among them, although stock funds can get higher returns, the risks are relatively large, while hybrid funds have relatively more advantages in the volatile market because of their more flexible positions. More than 80% of the assets of equity funds must be allocated with stocks, and hybrid funds, especially flexible hybrid funds, are more likely to "attack and retreat" by virtue of 0-95% positions. Under the professional operation of fund managers, while striving to control cash withdrawal, it is expected to obtain better returns.
2. When you start to make a fixed investment, you have already considered the possibility of adding positions in the future and made a full plan for the funds. It is recommended to keep enough funds and not to shoot all the bullets at once. Then there will be no funds available to increase or decrease positions, and there will be a food shortage.
Under the above premise, you should start to consider how to increase the positions of fixed investment funds in the falling market. Here are some ways to add a location that can be referenced.
How to add positions
As soon as many investors saw the market correction, they thought that the opportunity to increase their positions came. In the absence of index reference, just as the stock god occupies his position with his own experience, the final outcome is often not very good.
In fact, fund jiacang also has the skill of jiacang, instead of blindly jiacang, which will only make you lose more.
1, pyramid plus lightening method
MLM investment law is divided into positive MLM law and reverse MLM law.
Positive pyramid buying method: positive pyramid, when investing, you should buy in large quantities at low prices. When the price rises, the number of purchases will gradually decrease, thus reducing the investment risk.
Inverted pyramid sales method: contrary to the regular pyramid, with the price rising, the quantity of sales gradually increases to earn more price difference income.
In the fixed investment of the fund, you can use the pyramid method to buy more stocks when the market falls. For example, the following two specific operations:
Fixed proportion plus position
Investors can set the possible total decline in the future according to market conditions, and then determine the number of times you are going to add positions, so that you can get an average proportion of each increase. When the net value of the fund drops to this ratio compared with the last increase, the next increase will be made.
For example, if you expect the fund with fixed investment to fall by 20% in the future and prepare to add positions for 4 times, then when the fund falls by 5%, you can add positions for the first time; When it falls by 10%, you can add positions for the second time, and so on.
Technical index plus position
Ordinary investors can use technical indicators that reflect overbought and oversold to decide how to use pyramid method in fixed investment. For example, the RSI indicator, a value of 20 is considered oversold, and many stocks rebound when they fall to 30 or 40. At this time, the pyramid method can be used to add a small amount of positions when the RSI is 40, more positions at 30, and the most positions at 20.
The advantage of pyramid stacking is that when the market falls, the cost is diluted by adding positions in batches; When the market rises, in order to avoid profit taking in the later period, we can lock in profits by reducing positions in batches.
Of course, 5%, 10% and 20% used in the above examples are not necessarily the best choices. In the process of operation, investors need to dynamically adjust this ratio.
2. 1234 jiacang method
Fixed investment investors can determine the proportion of covering positions each time according to the specific extent of each decline.
That is, when the fund plunged for the first time, we added 1 unit, when the fund plunged for the second time, we added 2 positions, and when the fund added positions for the third time, we added 3 positions. When the fund plunged for the fourth time, it added 4 positions, and so on.
For example, if you have 1 0,000 quick money to add positions, you only need to add 1 0,000 for the first time, 2000 for the next time, 3000 for the next time and 4000 for the next time.
Because each time is more than the first time, and the fund is falling, not only can we accumulate more fund shares, but the net value of the fund is also getting lower and lower. However, the ratio of decline to jiacang needs to be adjusted according to the actual situation.
3. How Taiwan Province Province voted for her godmother Xiao Biyan.
Xiao Biyan, godmother of fixed investment in Taiwan Province Province, once said: "It must be very happy that the fixed investment fund has fallen by 30%, because this is a very rare opportunity to add positions."
She believes that if the fixed investment fund falls by 30%, a single transaction can increase capital1/3; If it continues to fall by 10%, start to add positions for the second time to make up for13; If it continues to fall by 10%, it will increase its position for the third time, which is the remaining 1/3.
After that, you can continue to adhere to the fixed investment of the fund and wait for the market to reverse.
A little knowledge about jiacang
1, forget about bargain hunting.
There is a saying on Wall Street: "You can't catch flying knives falling from the sky with your hands", which means it is even harder to catch flying knives falling from the sky. So don't listen to such remarks as "the market has come to an end and everyone has entered the warehouse", and don't listen to the "predictions" made by some so-called investment masters with limited professional ability and unknown sources on the Internet. No one can clearly predict where the bottom of the market is, and no one can predict when the market will bottom out. We can only judge the relatively low level according to historical data and fundamental conditions. Therefore, adding positions must be entered in batches. As long as the average cost of adding positions is low, it is effective.
2. There are risks in adding positions, so be prepared psychologically.
It is also possible to add warehouses halfway up the mountain. We should be fully prepared psychologically. Don't panic if the market falls further after jiacang. After all, adding positions at a relatively low point reduces the overall position cost and makes it easier to make a profit when the market rebounds.
3, short-term rise, don't rush to sell.
Generally, the short-term redemption fees of partial stock funds and hybrid funds are relatively high. If the holding period of the fund is less than 7 days, the redemption rate is as high as 1.5%. Therefore, it is not a wise choice for investors to sell immediately after the short-term market rise. In the case of little room for growth, short-term selling will even bring negative returns. After all, funds are tools for long-term financial management. We add positions at a relatively low point to reduce the holding cost of fund investment, so as to better harvest value during the rising market period, rather than for speculation. Moreover, the longer the fund is held, the lower the redemption fee, and many funds do not need to pay the redemption fee if they are held for more than two years. Long-term layout and value investment are the attitudes and strategies that our investment funds should have.
Finally, no one can accurately predict the lowest point, but buying at a relatively low time will help attract more low-priced chips. Once the cycle turning point is ushered in, the funds held will benefit a lot.
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