Since the Spring Festival this year, market volatility has intensified, and the net value of the fund has also fluctuated. Many Christian friends, especially young Christian friends, originally wanted to get investment income from the fund, but the result was not satisfactory. Today, Bian Xiao will share with you how to invest in the shock market fund for your reference only!

Face up to short-term market fluctuations

There is no market that only rises and does not fall, and there is no market that only falls and does not rise.

Many investors are prone to "panic" when the market falls and make irrational choices. In fact, in the capital market, ups and downs are the norm, and even the best funds will not show an upward net value curve. As ordinary investors, we can't avoid all the falling ranges perfectly.

Looking back at history, the "turbulence" in the financial market is also everywhere: Black Monday of 1987, Russian debt default of 1998 and bankruptcy of American long-term capital management company, the technology stock bubble of 2000-200 1, and the financial crisis that swept the world in 2008.

In contrast, today's shock callback, if you watch it for a long time, may be just a tiny little wave. In the future, the A-share market will fluctuate upward, so there is no need to dwell too much on short-term ups and downs.

In fact, when the investment sentiment is overheated, appropriate market adjustment will help to get out of the long-term favorable market.

Moreover, this is also a lesson for investors. We might as well take this opportunity to sort out whether our investment is reasonable or not, evaluate our real risk tolerance and examine our investment mentality.

Spare money to manage money, do a good job in position control

I suggest you plan your assets reasonably, manage your money with spare money, and make good asset allocation.

The so-called spare money is the surplus funds that are not needed in the short term and are not used except for the necessary living expenses. In this way, when you invest, you will not be too anxious about the rise and fall of the fund's net value, and your mentality will be more peaceful, and it will not affect your usual living expenses.

In addition to emphasizing the use of spare money for financial management, everyone should also control their positions. Positions reflect the judgment of the market, but in fact, many investors (mainly Man Cang) have no "bullets". Therefore, in the face of market adjustment, we must either stay put or cut the meat.

In fact, position control also pays attention to methods. Here are two:

1, pyramid type

This is a very classic position control method, which is divided into positive pyramid buying method and inverted pyramid selling method.

The so-called pyramid buying method is to buy in large quantities when the price is low, and gradually decrease when the price rises, thus reducing the investment risk.

The reverse pyramid scheme, contrary to the formal pyramid scheme, gradually increases the sales volume with the price increase, thus earning more price difference income.

2. Fair sharing law

The principle of equal sharing is to divide the positions into equal parts, and if you want to add/open positions, you should operate by parts. But the operation of each position must have self-consistent logic.

Compared with the pyramid method, the average share method will be more convenient and free. If there is a mistake in opening or adding positions, the volatile market can also be made up by gradually buying.

Either way, we finally recommend buying and selling at one time. We also suggest that you start with low-risk products and simple investment methods, start with small funds, and gradually find a strategy that suits you. Don't invest too much at once.

Evaluate your risk tolerance.

Fund investment is not arbitrary, and everyone must correctly assess their risk tolerance.

Some friends may not be clear about their risk tolerance. You think your risk tolerance is relatively high, but in fact it may be only medium. Or you think that your risk tolerance is only medium, but it is actually very strong.

There is a subjective way to judge: if the current loss makes you feel uncomfortable, it means that the products you buy and the positions you hold now may have exceeded your risk tolerance, and you can adjust your positions appropriately.

Funds are investment tools, and investment should be icing on the cake. I hope everyone can correctly assess their risk tolerance. After all, what suits you is the best.

Fourth, a fixed investment may be a good idea.

The volatile market intensifies the difficulty of timing, and it may be a good way to vote.

The so-called fixed investment is to buy a certain amount of funds at a fixed time, which is also commonly known as the "lazy artifact".

Compared with one-time purchase, fixed investment may reduce the admission cost. When the fund's net value fluctuates, the same amount can buy more shares at the low point and less shares at the high point, thus smoothing the overall cost and waiting for the market to rebound to get more benefits.

Hold it for a long time, thus realizing the "smile curve" of the fund.

Generally speaking, if the net value of the fund fluctuates greatly, the effect of smoothing the cost by fixed investment will be more significant.

Therefore, when the market fluctuates, you can consider choosing a long-distance running product with good endurance to make a fixed investment.

How difficult it is now, how bright the future will be.

For the capital market, fluctuation, shock and uncertainty are eternal themes. I hope you don't have to care too much about the short-term market trend, and you can withstand loneliness and prosperity. Adhere to the concept of long-term investment and rational asset allocation, and time will witness everything.

Tip:

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.

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