If you encounter a decline, don't panic at all. After selling half, the risk is reduced by half. At this time, it is time to buy cheap chips, but don't add too much at a time. If you add positions at the beginning of the decline, it is very likely that your fund has not fallen to the end, because no one knows when it will stop falling. At this time, risk prevention is the most important.
In fact, investment funds are not complicated. As long as you control your position and keep rational thinking in the case of ups and downs, it is not out of reach for the fund to make money.
Conclusion: Unreasonable.
Why, this is not the way for funds to make profits.
As a fund practitioner with CFA qualification and an old driver with 13 investment experience, Shu Yun really didn't know what to say when he saw this, and felt that he needed to give a good reason to the new citizen, how to avoid the big pit and how to play with the fund for profit.
What is the significance of taking profit? Is to lock in profits. First of all, Shu Yun asked everyone, have you seen anyone talking about making profits from products such as deposits, baby money funds and low-risk bank financing? I don't think so.
Why? Because this kind of products have low risk and stable income, there is basically no possibility of falling losses.
Then why should the fund stop loss?
This is because the stock market fluctuates and the net value of the fund fluctuates. This leads to the fund's income and the time of holding the fund is not necessarily related. You can't make money by holding it all the time, and the longer you hold it, the more you earn.
To give a simple example, the Shanghai and Shenzhen 300 has grown like this in the past decade:
Similarly, the Shanghai and Shenzhen 300 index funds (such as Huatai Bairui Shanghai and Shenzhen 300ETF) have grown in this way in the past eight years:
If you have been holding it, then you have been taking the elevator. Although the time has been extended, the stock market is still rising, and the fund is indeed profitable for a long time, but the profit space will be much smaller. Moreover, no one can say whether you can persist in the bitter days of being quilted.
At this time, the significance of fund profit-taking came. The profits earned by the fund should be delicious and not lost; When the fund starts to lose money, pay attention to take profit, lock in the money already earned and refuse to take the elevator.
Where is the pit of take profit? Many so-called profit-taking methods are wrong. Regarding take profit, the method mentioned by the subject is the target rate of return-buy a fund and set a fixed rate of return, such as 20%. Once the fund has risen by 20% or the annualized rate of return has reached 20%, it will run away at one time or in batches.
The mistake of this method is that it ignores the uncertainty and unpredictability of stock market returns. The domestic stock market has always been characterized by short bulls and long bears. It is difficult to meet a big bull market, and the gains are considerable, such as the big bull market of 20 14-20 15, the big bull market of 2006-2007, the blue-chip market of Big bounce in 2009, the blue-chip market of 20 17, and the small and medium-sized stocks in the past year. Every time the increase is much higher than 20%. If you make 20% and run away, will you still make a profit in the future? If so, why run? If not, that's good. Congratulations, you probably won't make much money in the stock market. After all, you only made some sesame seeds and lost the big watermelon.
On the practical level, there is another question, how to choose the threshold-is it set at 20% or 30%? First of all, is it a slap in the face or is it based on historical experience? Is there sufficient theoretical basis and empirical support? If a value is set, such as 20%, it will rise to 19%. What should I do if I stop running and fall back?
How to take profit? Considering all the indicators, we got away with it at the end of the bull market. When investing in stock funds, we must set a reasonable investment cycle according to the bear-cow cycle. That is to say, gradually build positions at the end of the bear market, and gradually add positions as the stock market bottoms out. Finally, clear the position at the end of the bull market, rest in the subsequent bear market and wait for the next cycle. Therefore, the fund profit-taking only occurs in a period, that is, when the bull market ends.
For the judgment of the end of the bull market, Shu Yun felt that it should not be simply measured by several indicators. Every single indicator may go wrong. The best way is to look at more indicators. When individual indicators report to the police, they will gradually retreat in batches to minimize the possibility of a single indicator taking the wrong baton.
For example, consider the following indicators:
Market sentiment. Yunshu thinks this is the simplest and most reliable indicator. When the big bull market comes, the market will be very excited. Almost everyone is talking about the stock market, making money and how much money they plan to invest in it. When everyone is ready to enter the market to make money, is there anyone behind to take over? The bull market of 20 15 is such a portrayal. Shu Yun is outside the industry circle (as an insider, it is normal to discuss stocks in the circle every day, and not discussing them means losing his job), and he has also met too many people who are excited about the stock market, such as the aunt of the neighborhood Committee downstairs, the aunt who sells tea eggs, and the little brother of the barber shop next door. We must be careful when everyone is talking about the stock market. Although it may not fall immediately, it may not be far away.
Technical indicators such as turnover rate and withdrawal. The rise of the stock market is accompanied by the amplification of trading volume, which is called "sky-high price", but the peak of trading volume often precedes the peak of price. And the stock price began to fall below some important moving averages, which also means a change in the trend. Considering such technical analysis indicators can provide signals to some extent.
Macroeconomic indicators. It is just some fundamental factors, such as listed companies' profits not going up, and market interest rates are beginning to tighten.
This can be done, but it is not necessary. This is not a question of rationality, but what is the reason for such planning? Investment is about strategy, not feeling.
Purpose and risk of this operation: 1. Objective: Under normal circumstances, intensive investment is nothing more than the hope that the market will rise rapidly, and then find opportunities to sell and repeatedly earn the difference.
2. Risk: This is a bit of a big luck, because the market will not run according to our mood. If you encounter a situation that lasts for a long time, you will feel that you have no love every day.
How to buy and sell funds is reasonable? First: first of all, it needs to be clear that it takes time to invest funds, and don't always think about making quick money. If you don't want to know the principle, you can skip to the second point. )
The essence of our investment fund is to give money to the fund company, and the professional team will buy and sell the underlying assets instead of us. Different funds correspond to different "basic assets".
For example, buying a stock fund is actually buying a combination of multiple stocks. Fund companies will make use of large-scale funds and make overall arrangements through operating strategies, and strive to make profits from them, but in a specific period, losses may also occur. Therefore, buying funds needs to wait patiently for the profit opportunities brought about by stock market fluctuations.
Then why don't we buy stocks, bonds, monetary instruments and commodities ourselves? The reasons are basically concentrated in the following aspects:
Secondly, the advantages and disadvantages of different subscription methods are analyzed.
1, buy and hold at one time, and redeem when the profit is rich.
Pros and cons: if you buy at a low level, it may bring a particularly rich profit space, otherwise it may be locked in for a long time and always be at a loss.
For example, the fund ranking in 2020 will increase by more than 100%.
Status of investors: Few people have the patience and courage to wait for opportunities all the year round. To put it another way, what if it falls this year? Isn't it crying to buy it once?
2, buy in batches, or hold or band operation, earn the difference.
Advantages and disadvantages: If you have enough judgment and capital utilization ability in the capital market, this operation mode is both offensive and defensive, which is actually a good investment mode.
Status quo of investors: Many people will feel that they are awesome, really fake, just look at the account.
3. Fixed investment mode, the system automatically deducts money.
Advantages: Strong ability to control funds and effective control of investment risks. (If you don't understand, watch other videos or articles)
Disadvantages: it is difficult to obtain the highest rate of return. (Lower risk will inevitably lead to limited benefits)
Conditions for profit from fixed investment:
For example, in 2020, the fund's fixed investment ranking, the income in the past year exceeded 50%.
By the way, the income of smart fixed investment is higher than that of ordinary fixed investment, but the premise of smart fixed investment is that you can hold it for a long time. If you always plan to have a redemption operation at any time, the investment brought by ordinary fixed investment will feel better.
Current situation of investors: not many people simply do it, most of them will have nothing to do to make up their positions, and some people will think it is better than the classic model summarized by investment professionals for many years, so the investment results are not ideal.
4. Buy when you think it's appropriate.
This makes it difficult to evaluate the advantages and disadvantages, because the law of discovery is too arbitrary.
In fact, investment is a game of making money by rules.
Let's think about the people who have made money in the investment circle in recent years, which are out of rhythm? For example: real estate speculation, currency speculation, speculation of all kinds of things that can be speculated. ...
The secret of making money: you have money in your hand, you are bold enough, you master the heat, and you can stir-fry properly. (This is a technical job)
To sum up 1, we should consider our own conditions: make an overall plan according to the amount of funds, the use period of funds, the investment level and the investment expectation.
2, we must consider the market situation: how to make money when the market is good; When the market is bad, the practice of adding positions every day is similar to the feeling of frying yourself in an oil pan.
3. When the capital is invested at a certain pace, the suggested time limit is: