Of course, simply changing the fund manager will not have much impact on the fund performance, because many times it is the research team of the fund company that plays a decisive role. As long as the research team has not changed, it shows that the overall management and control ability remains unchanged.
The fluctuation caused by the change of fund managers is also temporary, so don't worry too much. You can observe it for a while before making a decision.
If there is a problem in the internal management of the fund company or the core of the research team changes, we have to consider whether to stop loss.
Second, the establishment time and scale of the fund The establishment time of the fund is also a very important reference. Many people will redeem the new fund immediately after the closure period, resulting in a much lower net value of the fund.
This happens all the time. According to market research, almost 50% of the citizens will choose to redeem the fund after the opening period of each new fund. The reason is that they think that the new fund did not meet their expectations, so they stopped investing.
If you find that the fund you hold has suddenly fallen, remember to check the establishment time. Many new funds need time to test, not to follow suit.
Especially when you have bought a new fund and survived the opening period, don't stop investing easily.
In addition to the establishment time, we should also pay attention to the scale.
If the size of the fund is below 1 100 million, and it has been falling continuously in the near future, the risk of liquidation is likely to occur.
A fund of this size is not the best choice from the investment point of view, so stop loss can be considered.
Third, the overall trend of the industry changes. The overall trend of the industry is also the key to judge whether it is necessary to stop loss. For example, we are familiar with the growth of Nuoan, a typical science and technology fund, and it is normal to fluctuate violently, plummet or rise.
The reason why this fund has the possibility of continuous decline is mainly because the fund manager is optimistic about the theme of semiconductors and chips.
Moreover, the positions of constituent stocks are also concentrated on the stocks that they are optimistic about, so the balance is slightly weak.
The trend is entirely determined by the stocks held. If you buy this kind of fund, there is no need to stop loss in the case of continuous decline.
On the contrary, we should consider whether to add positions within our tolerance.
On the other hand, when buying a fund, it is a balanced fund of shares and debts, that is, the trend is relatively stable.
However, through the position inquiry, it is found that the investment style of the fund has changed, and the proportion of stock and bond positions has deviated from the proportion stipulated in the fund prospectus.
For example, the stock position becomes 90%, while the bond position is only 10%, indicating that it is likely that the investment style of the fund has drifted.
This needs to consider whether it is consistent with its original planned investment objectives. If it seriously deviates from the investment target, it is also an important basis for considering stop loss.