The economic situation is sluggish, the unemployment rate is increasing, and the decline in wages is gradually becoming the suffering of contemporary people in 2020. With the resumption of production and work, the economy began to gradually resume growth and return to the right track, and gradually some enterprises began to recruit workers regularly. But the decrease in income is an inevitable fact.
How to increase income through financial management has become a key issue that many people seriously consider.
Compared with stock products, fund products are generally more stable because of professional fund managers. It is the first choice of many investors. According to the financial characteristics of novice Xiaobai, it is easier to achieve the purpose of fund storage by compulsory fixed investment. However, the fixed investment of the fund has a fixed time node and will not change because of the rise and fall of the fund.
So its disadvantage is that there is no good choice of purchase time. Funds, like stocks, rise and fall for many reasons and cannot be generalized.
First, the general decline brought about by the market environment. Fixed investment is a long-term strategy, so what is the general investment strategy of fixed investment? Take profit without stop loss? . However, if the overall market is in a state of decline, there is no way for us to avoid losses. What should we do in this case? Stock short position? The strategy is to wait for the downward trend to gradually pass, avoid the losses caused by the downward trend, buy at the low point after the market stabilizes, and reap the rich returns after the rise by accumulating cheap chips.
Second, the decline of a single fund. In addition to the general decline caused by the market environment, it is actually easier to choose the personalized decline caused by the quality problems of the fund itself. There is a deviation in the choice of funds, and a long-term decline in the future is inevitable. It is the wisest choice for this kind of fund to make a decisive clearance and redemption without seeing the future.
Third, the decline of the plate. There is also a relatively intermediate situation between the fund environment and individual stocks, that is, the decline and loss of the industries and sectors to which the fund belongs.
Although the fund is different from the stock market, it will also be affected by the stock market, so it is actually very difficult to predict the short-term fund market, which is why the fund investment will be a medium-and long-term process. In this process, the sector where the fund is located may suddenly collapse. The decline here may be temporary or short-term, so we can continue to wait and see.
In the future fund selection, we can have a deeper understanding of the situation behind the fund, including the resume of the fund manager, the investment characteristics and industry of the fund, and it may be safer to choose a fund with long-term valuable investment prospects for fixed investment.