Many people were stunned by the stock market. The market rose from more than 2400 points at the beginning of the year to more than 2900 points in one breath, with no adjustment in the middle. In this wave of market, all stocks rose at first, and then the market began to differentiate. 5G, securities and other sectors are in full swing, while banks, infrastructure and other sectors perform generally. Therefore, many people complain that their funds have not outperformed the broader market and are ready to change. A fund. So do you want to change it? Let's talk about it below.

The fund did not outperform the market. Do you want to change it?

Whether to change funds or not should be treated rationally. The first is to evaluate the reasons why the fund did not outperform the broader market, and then take measures. Funds can't beat the broader market, and there are generally two situations:

First, the risk appetite is low.

Funds that invest in the stock market generally include index funds, stock funds, hybrid funds and bond funds, and their stock investment ratio decreases in turn. If you buy a bond fund and the stock position does not exceed 20%, you will definitely not win the market;

If you buy a hybrid fund, mainly investing in bonds and pursuing absolute expected returns, then you can't win when the market is good, and you can only resist falling when the market is bad. In both cases, the basic people can choose to switch to other funds, such as partial stock funds or index funds.

Second, investing in stocks is not a castle in the air.

Some equity funds have higher positions, but their performance is not outstanding, which is far behind the broader market, which is the reason for their investment style. For example, some funds like to invest in stocks with good fundamentals, such as dividend stocks, but the hot topics in the market are securities stocks and 5G stocks, so the foundation underperforms the broader market. However, don't rush to sell such stocks, the market style changes day by day. No sector can be strong forever. As long as there is no problem with the quality of the stock, it is only a matter of time to keep up with the market.

Well, the analysis of the fund has not outperformed the broader market here, and I hope it will help everyone. Warm reminder, financial management is risky and investment needs to be cautious.