Buying a fund is a profit model of buying at a low price and selling at a high price, so many people think about speculating on the bottom of the fund, but the result is copied by the fund. Fund bargain-hunting is not a decline, nor is it a bottom. Fund bargain-hunting also needs to pay attention to certain skills and accurate judgment.

When is it suitable for fund bargain hunting?

The first point: look at the maximum withdrawal rate.

Look at the maximum withdrawal rate of fund companies in the last three to five years, and then consider when to bargain according to the maximum withdrawal rate of enterprises. Generally speaking, the maximum extraction rate refers to the maximum value of the yield extraction interval when the net product value reaches the lowest point at any historical point in the selected period.

The second point: look at the fund valuation.

Fund bargain-hunting also needs to look at fund valuation. The valuation of general funds will not always fall or rise. When the valuation of the fund falls to a relatively low point, you can consider buying at the bottom, instead of starting a heavy position when the fund falls a little. Don't buy in a one-time heavy position when the fund is bargain-hunting. You can slowly add positions to the bottom and spread some investment risks.

Is the risk of fund bargain-hunting big?

The risk of fund bargain-hunting is relatively high. When the fund bargain-hunting, don't think about bargain-hunting at the lowest point, judge that it appears in a position worth buying, and then buy it through fixed investment, so that even if it falls, it can continue to spread the cost evenly and show the charm of "smile curve". When the fund falls to the right position, you can slowly add positions and bargain-hunting. In addition, funds are long-term products, and long-term holding can also reduce risks. But remember to find a good fund to bargain-hunting when the fund is bargain-hunting.

If you choose the wrong fund and copy it halfway up the mountain, you will lose money, or the fund itself will not work. Every time you bargain-hunt, it will be like a bottomless pit. You can give up bargain-hunting and stop loss in time. Fund bargain-hunting needs to be considered from many aspects. Secondly, we must choose according to our own risk tolerance. Although the risk of funds is not as big as that of stocks, the losses caused by index funds, stock funds and hybrid funds can not be ignored.