If you have 654.38 million yuan, how much do you spend on investing in the fund? This ratio is called a position. If you spend 40 thousand, the position is 40% Please feel free to collect the following pictures:
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I have many friends around me. When they saw the Alipay recommendation fund, they rushed to buy it. It did go up a lot in a short time, but it will soon be a loss. Once they start losing money, Xiao Bai will be unstable.
If he continues to lose money, Xiao Bai often thinks that he will continue to lose money, so he quickly sells his stop loss.
In the state of continuous losses, if you don't sell, your losses are only a few figures. Once redeemed, it is a real loss.
The essence of fixed investment is to race against time, short-term bearish and long-term bullish.
We invest in funds, such as opening convenience stores, and regularly go to the wholesale market to purchase goods. The wholesale market not only supplies us, but also recycles the goods we enter;
The decline of the fund means that there is a discount in the wholesale market. At this time, we should buy more goods, that is, add positions;
The rise of funds means that the wholesale market generally rises in price. At this time, we should buy less, or sell some goods to wholesalers appropriately, that is, lighten up our positions.
When the fund rises as expected, it means that it will soon peak and fall back. At this time, all the goods will be sold back to the wholesaler, that is, clearance.
Xiaobai's operation is often: when the wholesale market is 50% off, she closes the convenience store instead of hoarding goods.
Everyone knows the truth of buying low and selling high. The best time to sell some goods or close convenience stores should be when the wholesale market prices soar.
The reason is reasonable, but I can see that the number in my fund is getting smaller and smaller. Many people can't pass the psychological barrier and finally choose to cut the meat and get off.
Therefore, it is very important to have a stable attitude when investing in funds.
Then the problem comes, even if I am in a good mood, the fund has been falling. What should I do?
0 1
Analyze the reasons
Never cut meat blindly.
The reasons for the decline of the fund are nothing more than the following:
1, the economic slowdown caused the market to fall. When the market falls, almost all funds will fall;
2. After the limelight fund has passed, it has entered a cyclical decline, such as the pharmaceutical fund after the epidemic;
3. In the face of market adjustment, small and medium-sized foundations continue to decline;
4. Frequent changes in fund managers have led to a continuous decline in funds;
There are many reasons for the continuous decline of funds, which need to be analyzed in detail before the right medicine can be given;
However, if you are a small white fund and can't think of the reasons for the continuous decline, then the question you face becomes simple: Do you want to continue investing?
Whether you want to continue to vote depends on whether you can see the hope of profit in this chicken. This chicken has an exclusive term in the industry, called smile curve, which is roughly as follows:
Under the smile curve model, we may fall or rise after each fixed investment. Even if it continues to fall, it will definitely rise back one day, and its trend chart will become a grin, hence the name.
Index funds can best reflect the smile curve, but there are also times when index funds make people laugh and cry, such as this wonderful flower: Huaxia SSE 50.
As shown by the red arrow in the figure, Huaxia SSE 50 began to decline in 2008, and has been falling to 20 15, with a floating loss time of 7 years.
According to what we said before, it usually takes three to five years for a fixed investment to be effective, but if you start a fixed investment in 2008, even if you insist on it for three to five years, there is no possibility of making a profit.
At this time, Xiao Bai was entangled: Do you want to continue voting?
If we continue to make a fixed investment, we have lost money for 7 years. Will you lose money forever?
If you stop the fixed investment, do you want to redeem it?
Redemption, the fixed investment in previous years was in vain, and the principal still lost a lot; If you don't redeem it, how long will it be locked?
This kind of suffering may occur one or three years after your fixed investment, and it will last until the seventh year. If you can stick to 20 16 and encounter a short bull market, you can get rich overnight.
Most people choose to redeem in advance and leave reluctantly; A small number of people stop fixed investment and wait for the opportunity to solve the problem; A small number continue to add positions, waiting for the opportunity to turn over against the wind.
Looking at this wonderful fund in 2020, many people will regret it, but the only difference between loss and profit is whether they can get out of the smile curve.
This wonderful chicken also confirmed to us that the long-term bullish market index will definitely walk out of the smile curve.
Not all funds can get out of the smile curve, so whether to continue to invest in funds that continue to fall depends on whether the fund you choose can get out of the smile curve.
If you can, you will continue to vote; If not, stop the fixed investment.
Therefore, the first priority in choosing a fixed investment strategy is to choose a fund type suitable for fixed investment. Just in the last article, I also talked in detail about the selection method of the fund → "I'll teach you how to choose a good chicken"