The market has been ups and downs recently. A small increase in a week is normal. The first time I bought a fund after entering the market for the first time, I was defeated by the market. They successfully bought the fund at a high point, and then bargain-hunting in the mountains. Today, Bian Xiao will share with you how to deal with the anxiety of novice fund buyers, for your reference only!
First, why is there anxiety?
1, watch it every day
Recently, the market volatility has intensified, and there are many anxious remarks in the fund product discussion forum. Some people scold fund managers, some complain about the slow rise, some teach fund managers to switch positions, and some laugh at themselves because funds are all green.
Many investors don't know that long-term holding can make money, but the problem is that the expectation value is set too high from the beginning, which leads to special anxiety when investing. Although the market performance has been outstanding in the past two years, it is expected to be difficult to achieve in a long time. Even Warren Buffett's compound annualized rate of return in the peak 50 years (1, 965-20 14) is only 2 1.97%.
In fund investment, we must seek truth from facts, and don't have the psychology of racing against time. Funds are not used for speculation, but as a long-term financial management tool, they need time to accompany them. For ordinary investors who lack professional knowledge, it is difficult to accurately predict the market, so it is forbidden to look at the market every day, take profit frequently and stop loss frequently. If you can't control the instinct of chasing up and down inherent in human nature, you might as well try to watch less and pay more attention to life.
The original intention of fund investment is to let professional institutions help them make money, free up energy to do other things and enjoy life. Don't buy a fund and patronize the market, ignoring your own life. Learn to let the fund work for yourself, not yourself.
2. Frequent operation
Many citizens are eager to make as much money as possible in a shorter time, so they have gone into the misunderstanding of fund investment: in the heart of buying low and selling high, the result has become chasing up and killing down.
Recently, the A-share market has entered a callback. Seeing the ups and downs of the K-line every day, everyone will inevitably feel anxious: some investors will hesitate to redeem some of their own funds; Some investors are gearing up to bargain-hunting, but they dare not buy halfway up the mountain. In fact, these anxieties mainly come from the timing: when buying, I am worried about buying at a high point, and when selling, I am afraid of being empty.
I thought it was time to make a bargain-hunting, but I never thought of floating losses to make up for the bottomless pit. Peter Lynch, an investment guru, once described the behavior and psychological activities of investors like this: "Try to follow the rhythm of the market, and you will always find yourself quitting when the market is about to reverse, and intervening when the market rises to the top."
One of the reasons for this situation is that at the beginning of investment, there is no clear expected return target, and there is no investment philosophy and logic system of its own, which is easy to "follow the trend of the market and fall into the trend of the market, leading to passive operation.
It is human nature to be happy when the market goes up and disappointed when it goes down. It is also human nature to make money by investing. People tend to be overconfident, want to earn more, and feel that the market can continue to rise and that they can grasp it.
Investment is anti-human. Fight against your living habits and trading habits. After long-term training and thinking change, you can form your own system and investment concept.
I hope to get more profits in a short time and expect to get rich overnight, which makes it easy to operate in the short term.
3, centralized positions, shuttle
When the market climax comes, it often leads many investors to run into the market. At this time, if you choose a one-time purchase, the result can be imagined. After that, the market experienced a high platform diving, and many investors suffered huge losses, so anxiety was inevitable.
In the process of investment, if you focus too much on a fund or a fund with the same style and industry, then when the market style changes, there will be great fluctuations, and the assets you choose will fall while other assets will rise, which will also cause anxiety.
Second, how to relieve anxiety
Seeing this, if you are anxious now, you may have found your own reasons. So what should be done next to gradually reduce this panic and anxiety? We might as well prescribe the right medicine one by one:
1, fear the market and know your own investment products.
When the market falls, we will think, when will it fall? Is it not worthwhile to buy a steak now? Most of the gains from holding positions are gone. Is the product ok? Do you want to keep voting?
However, when the market continues to rise, we are struggling. Originally, the fixed investment was to reduce the long-term cost. Now the net worth is getting higher and higher, the cost is getting higher and higher, and the share that can be bought is getting less and less. Do you still want to buy?
It can be seen that we are all in a tangled whirlpool, whether it is falling or rising. The market is unpredictable, and no one knows where the highest and lowest points will be.
There is no market that only falls and does not rise, and there is no market that only rises and does not fall. Ups and downs are the law of the market. Therefore, we are in awe of the market, and we cannot be complacent about the "stock god" because of the temporary investment income, ignoring the potential risks in the market.
In addition, investment is like arranging troops. If you want to be invincible, you must know yourself first. If you don't know the nature, risk type and income of the product, how can you make a choice according to your investment preference?
If you buy with the wind, especially when the holding groups such as liquor are the craziest, it may be a relief for you to leave in time while rebounding. Market crash is the best risk education, and people always want to make quick money from funds. It's not too late to come back when your investment cognitive ability keeps up with your desire.
2. Set goals and strictly implement them.
After the fund makes a big profit, 90% people will continue to hold it, because the market often performs well at this time, which leads to changes in their expectations and they think it will continue to rise and want to earn more.
But the result is cruel, and the final income is big. At the same time, the investment experience and psychological feelings are getting worse and worse. From the joy of making money at the beginning to the sadness of not making more money, I finally earned less.
This is because you didn't set a take profit point and didn't overcome the weakness of human greed.
You must set a target income before investing. With regard to the target income, in the case that bank wealth management products are generally converted into net value, and the past performance of many products is about 4% a year, it is risky to do 20% or even 50% a year. It needs to be determined after combining its own financial situation, risk tolerance, expected fluctuation range and other factors, and it can be controlled and reached.
If the target income has been achieved, it can be completely profitable. This is not only conducive to maintaining sufficient liquidity, but more importantly, it is safe to obtain a sustainable income. Investment should be decisive stop loss, floating profit plus position, floating loss stop loss, rather than covering positions again and again after losses.
Clearance and departure is an investment that requires deep experience and trend judgment. However, the market tends to rise again inadvertently, and it tends to rise higher when leaving than when selling. At this time, you also need to have a good attitude. The money you didn't earn is beyond your knowledge. Don't expect to earn every penny in the market.
3. Fixed investment of the fund
The fund's fixed investment is essentially to buy in batches and spread risks. Even if you accidentally bought it at a high price, you can still buy more investment stocks at a cheap cost after encountering a falling market. When the market starts to pick up gradually, you will automatically draw a smile curve.
When the market rises, we can avoid the temptation of fixed investment-because blindly increasing investment, the cost will soar instantly, which is a good way to control the "degree"; When the market goes down, the way of fixed investment absorbs more chips at low cost, which gives us a sense of gain. It is also a good "centering" strategy.
In fact, the fixed investment smoothes the risk through time, which effectively inhibits our tendency to chase up and kill down.
Fixed investment needs to be adhered to. In the process of investment, we are faced with the fluctuation of fund net value every day, and it is easy to get lost. Especially when you invest for a period of time and lose the existing income, it is easy to fall into depression and then want to terminate the fund investment.
Fund investment should be planned and budgeted. No matter whether you choose weekly fixed investment or monthly fixed investment, you need to have a clear budget and set the quota within a manageable range. If there is an impulse to make additional investment in the middle, the amount of additional investment can be evenly allocated to 12 months and invested in batches. Unless you reach the take profit point (generally recommended position yield 15%), you can't interrupt the fixed investment halfway.
Step 4 Hold for a long time
Active management funds have a high probability of obtaining positive returns for a long time. In the process of market style transformation, if you follow the trend frequently, you need to pay a lot of transaction costs and miss investment opportunities.
However, not all patient waiting can bring a return on investment, provided that you choose the right fund. Although the performance of the fund is unpredictable, Xiao Xing can give several reference dimensions to evaluate whether a fund is a potential excellent fund.
Looking at the time, the recent fluctuation is just a small wave in the history of A shares. Insisting on fixed investment will help us avoid paying too much attention to this fluctuation from the mentality, help us overcome the tendency of chasing up and down, and make us fearless in fund investment.
Every penny you earn is the realization of your knowledge of the world. When you don't know enough about investment, you should be brave enough to admit it, be good at learning, maintain a modest and prudent attitude, and always guard against arrogance and rashness. Don't be fooled by short-term ups and downs, and don't try to be the last copper coin. The scenery should be long and open-minded. Let's be patient and stick to long-term investment until the bright spot of the bull market comes!
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