When the stock market falls, the fixed investment of the fund will also generate losses. When some small partners encounter this situation, they will generally stop their fixed investment and want to wait until the market turns better, fearing that the fund will fall too much and will not come back. Then, the fund stopped when it lost money. Is this appropriate?

For ordinary investors, there are generally two reasons for stopping fixed investment: the fund is in a state of loss or the market has fallen sharply. In either case, it is unwise to stop the fixed investment at this time. Because the strategy of adopting fixed investment itself requires strict implementation and long-term persistence to succeed.

When the market is in a downturn, it is even more necessary to insist on fixed investment. The fixed investment of the fund is not a one-time investment, but a lot of investment. It is precisely because of those fixed investments that persist in the market downturn that the purchase cost of the fund can be reduced, and it is easier to make profits and earn higher expected returns when the subsequent market picks up.

For example, suppose that Ji Min A and Ji Min B both invest in the Shanghai and Shenzhen 300 Index, and on June 65, 438+0, 065, 438+0, the monthly fixed investment is 65, 438+0, and the stock market continues to fall in the second half of 2065, 438+0.

Ji Min A insisted on fixed investment, and both of them finally voted at the bull market high point of 2065438+June 2005. At this time, the fixed investment yield of Ji Min A is 104.25%, while the fixed investment yield of Fund B is only 59.42%. The reason why the expected income is halved is because Ji Min, which insists on fixed investment, has lower fund purchase cost and more fund shares. When the market improves, the expected return is naturally higher than this.

Of course, some funds can be in a state of decline for one or two years or three or four years. At this time, the fund's fixed investment will not work, but investment is a game with greater probability. Although the fund's fixed investment does not guarantee to make money, as long as it decides to adopt this strategy, the correct posture is to stick to the investment record and give full play to the advantages of fixed investment to spread the cost. If you quit "cutting meat" after starting to make a fixed investment, the result will only affect the final expected income and even cause losses.

Introduction reading:

What kind of fund is suitable for fixed investment? Two key points of the fund's fixed investment