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What should I do if the fund I bought fell sharply but did not rise sharply?
What should I do if the fund I bought fell sharply but did not rise sharply?

In addition to some funds that followed the market's surge, many investors could not help but vomit, and the market did not rebound strongly after the plunge. So, here's the problem. How to deal with ordinary investors, especially those who enter the market at a high level? Today, Bian Xiao will share with you what to do if the fund you bought falls sharply but does not rise sharply, for your reference only!

Buy in the falling market and accumulate cheap chips.

Fixed investment, buying on rallies, bargain hunting and other behaviors are all similar in essence, all in order to get cheap chips at the low market level and get more profits when they rebound. Among them, buying on rallies requires strong discipline, and bargain-hunting is easy to copy halfway up the mountain. So you can choose to buy on rallies!

For example, suppose the market drops from 3,000 points to 100 points and then rebounds, with a fixed investment of 1000 yuan for each drop:

-If you just wait, you have to wait until the market rises from 100 to 3000, and then go back to the original.

-If the fixed investment is adopted to smooth the cost, the market will return to the original cost at 642 points.

-insist on fixed investment. When the market returns to 1200, the yield may reach 78.48%!

Rate of return on fixed investment =[(sum (amount of fixed investment per period/closing point at the beginning of the month) closing point at the end of the period) /(sum (amount of fixed investment per period and number of investment periods)) ]- 1. The above results of simulating the fixed investment business with historical index/fund data do not represent the real income of the fixed investment business, nor can they be used as a guarantee for future income. Note: The simulated market is up or down by 65,438+000 points in each period, with a fixed investment of 65,438+0,000 yuan in each period. Regular fixed investment is a simple and easy way to guide investors to make long-term investment and average investment cost. However, fixed investment can't avoid the inherent risks of fund investment, can't guarantee investors to get income, and can't replace the equivalent financial management method of saving.

It is said that buying more when falling may make you recover your money faster?

-Scenario 1: The more you fall, the more you buy.

-Scenario 2: The market drops rapidly and sharply.

The former depends on oneself, and the latter depends on the market ~ Let's take the market situation assumed above as an example. Assuming that every time the market drops by 100 points, the fixed investment amount will increase by 10% in the previous period, and it may be better to simulate the situation of buying more and more:

Rate of return on fixed investment =[(sum (amount of fixed investment per period/closing point at the beginning of the month) closing point at the end of the period) /(sum (amount of fixed investment per period and number of investment periods)) ]- 1. The above results of simulating the fixed investment business with historical index/fund data do not represent the real income of the fixed investment business, nor can they be used as a guarantee for future income. Note: The simulated market is up or down by 65,438+000 points in each period, with a fixed investment of 65,438+0,000 yuan in each period. Regular fixed investment is a simple and easy way to guide investors to make long-term investment and average investment cost. However, fixed investment can't avoid the inherent risks of fund investment, can't guarantee investors to get income, and can't replace the equivalent financial management method of saving.

Precautions:

First, we should pay attention to arranging the proportion of fund varieties according to our own risk tolerance and investment purpose. Choose the fund that suits you best, and set an investment ceiling when buying partial stock funds.

Second, be careful not to buy the wrong "fund". The popularity of funds has led to some fake and shoddy products "fishing in troubled waters", so we should pay attention to identification.

Third, pay attention to the post-maintenance of your account. Although the fund is worry-free, it should not be left unattended. Always pay attention to the new announcements on the fund website, so as to have a more comprehensive and timely understanding of the funds you hold.

Fourth, pay attention to buying funds, and don't care too much about the net value of funds. In fact, the fund's income is only related to the net growth rate. As long as the fund's net growth rate stays ahead, the income will naturally be high.

Fifth, we should be careful not to "love the new and hate the old" or blindly pursue new funds. Although the new fund has inherent advantages such as preferential prices, the old fund has long-term operating experience and reasonable positions, which is more worthy of attention and investment.

Sixth, we should be careful not to buy dividend funds unilaterally. Fund dividend is the return of investors' previous income, so it is more reasonable to change the dividend method to "dividend reinvestment" as far as possible.

Seventh, we should pay attention not to talk about heroes in the short term. It is obviously unscientific to judge the pros and cons of the fund by short-term ups and downs, and it is necessary to make a comprehensive evaluation of the fund in many aspects and conduct a long-term investigation.

Eighth, we should pay attention to the flexible choice of investment strategies such as steady and worry-free fixed investment and affordable and simple dividend transfer.

In the past two years, the returns of funds purchased by many investors are generally unsatisfactory. What caused the large losses of most funds? Mars, an analyst at Shanghai Securities Fund Evaluation Center, pointed out that, first of all, the essence of fund products is the combination of securities, and the performance of fund income is closely related to the performance of the underlying market. In the continuous decline of the stock market, it is difficult for equity funds and hybrid funds, which mainly invest in stocks, to achieve positive returns. In the case of rising stock market, most partial stock funds can often achieve positive returns. Therefore, it is impossible for funds to create myths and create high positive returns in the continuous decline of the market in recent years.

From the long-term performance, in most cases, the overall performance of funds is better than that of individual investors, especially in bull markets and volatile markets. For example, in 2006 and 2007, more than 80% of equity funds achieved a return of more than 100%, while the proportion of individual investors was less than 20 12 years. Nearly 50% of equity funds have achieved a return of 5% to 30%. According to the survey, more than 50% of individual investors have lost between 5% and 50%. Therefore, the fund is still a good investment tool for individual investors to participate in the capital market.

All kinds of problems, whether China's stock market construction, economic development or asset management industry, can't be eliminated in a short time, and all need the rationality of the market as a whole to promote it. However, as investors themselves, we must measure our risk tolerance clearly and not blindly listen to the propaganda of sales staff. If your risk tolerance is weak, or the funds you want to use in the short term, you can't invest too much in a single stock fund to avoid being greatly affected by the risk of stock market fluctuations. Therefore, for individual investors, it is more meaningful to have a long-term investment mentality, choose appropriate fund products according to their own risk tolerance and renewal, avoid excessive pursuit of popular funds with outstanding short-term returns, pay more attention to funds with relatively stable long-term performance, and spread risks through fixed investment and portfolio allocation to obtain long-term stable returns.

In short, for most investors, in fact, the principle of bargain-hunting layout is understandable, or investment. Who doesn't want to buy low and sell high? However, it is often because of too much fear or lack of discipline, or because of greed, I want to speculate at the bottom for a while. To put it bluntly, I'd rather choose a good fund, give it more time, stick to the fixed investment and be less afraid of falling ~ stick to the fixed investment, make good expectations and wait for the flowers to bloom with the fund manager!

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