Reasons for fund loss: Buying a fund is different from buying a stock. The stock is affected by its intrinsic value, and the stock price has its reasonable range. It can't be sustained if it is too high or too low. However, the fund is operated by the fund manager, who can enter the market at any time, exit at any time, increase or decrease positions, etc. These behaviors will affect the total assets of the fund, and then affect the net value of the fund unit. The net value of the fund is accumulated for a long time, which is the result of the long-term management of the fund manager. On the contrary, a high-net-worth fund can better explain that the fund was well managed in the past. "Will it fall" is not about the level of the fund's net value, but also about the level of the market and even the valuation of the fund's stocks. The low net value of the fund may be due to the dividend distribution or split of the fund, or it may be the result of the poor past performance of the fund that failed to accumulate the expected annualized expected income. So don't blindly deny high-net-worth funds, let alone blindly believe in low-net-worth funds.
Timing of fund selling: 1. When the fund manager changes, it is suggested to choose a better position and sell to lighten the position. This helps to reduce your risk. Buying funds is different from buying stocks. Funds are basically controlled by fund managers. If your fund managers are better, you can make money. On the contrary, it will definitely lose money. So first sell and lighten up, and then observe the ability of this fund manager. If you can, you can add positions and buy. No, even if you lose money, you won't lose so much. The purpose of our investment is to make profits. So I would rather earn less than lose money. This is the bottom line. 2. When there is a signal of continuous interest rate increase. Yang Ma said that if the interest rate is raised, then the funds will naturally flow to the money market, and the market funds will be so much. If the money market funds increase, the securities market will decrease, the amount of circulation will decrease, and the activity will decrease. In addition, it is expected that the annualized interest rate will rise, the price will rise, the operating cost of enterprises will increase, and the expected annualized expected return per share will naturally decline. When the stock falls, the fund will not be spared. So this time is suitable for selling funds. 3. The net value of the fund continued to fall. Unlike stocks, funds generally have a low probability of losing money by holding a fund for a long time. If you buy at a high point and the market is not good, and the performance of the funds you buy in recent years is still very average, and the net value has been falling, then it is necessary for you to stop the loss in time. 4. When the market has a high point. Investment funds must sell at a high price and buy at a low price to make money. However, when many people watch the fund go up, they may still feel that they will sell it if they make more money, but it will never end. In the end, I didn't earn as much as before. In view of this situation, it is suggested to set a profit-taking goal. Once this point is reached, it will be sold decisively without hesitation.