Analysis of 33-point repeated shocks to buy or sell funds

The unpredictable A-share market is like life, and you never know which comes first, the accident or the surprise. Looking at the unpredictable market, the confidence that the friends have established has been poured into a pot of cold water, and the fund products in their hands are slowly losing their fragrance. Today, Xiaobian will share with you 33 points of repeated shocks to buy or sell funds, for your reference only!

Redeem resolutely when you reach the profit-taking point, and you can make a new investment

Many mature investors will set a profit-taking point for themselves at the beginning of investment, that is, they will redeem the fund when they reach a certain value of income (for example, 2% income), and use discipline to restrain their "greed" in the bull market.

If your income has reached the target profit-taking point, it is strongly recommended that you "take profit and redeem it, and leave it in your bag". Although you may miss the bubble market behind you, you have achieved your goal, so it is not good to make the rate of return your ideal rate of return.

At the same time, after redemption, it is suggested that you can continue to invest by means of fixed fund investment and set a profit-taking point. It is not recommended to set the so-called stop loss point. Because, the fixed investment of the fund itself needs to share the cost in the falling market and get more benefits in the rising market.

if the income of the fixed investment reaches the take profit point again, remember to redeem it. As ordinary investors (in fact, the same is true of stock gods), we don't want to "sell at the highest point and buy at the lowest point" and just earn our own target income.

Steady investors should keep the bottom line and never chase after high

There is a principle for investment, and what is suitable is the best. Although the stock market rose well this year and equity funds made a lot of money, equity funds also fell a lot in 28 and 218. Therefore, for prudent investors, we should not only look at the "eating meat" of equity investors, but also see when they are "beaten". If you can't afford a fund decline of more than 2% or even 3%, then equity funds are not your cup of tea.

if you can't bear the violent fluctuation of more than 1% in the short-term market; If you have a high demand for the safety of funds, once there is a big fluctuation, you will "run over the opposite side and stay awake at night"; If the funds are needed in the short term (within half a year), it is not recommended to invest in the equity market. Actually, debt-based is your dish. After all, the average annual income of debt-based funds, especially medium-and long-term pure debt funds, is positive.

The difficulty of investment is not that you can't find a good company, nor that you don't have good trading opportunities, but that investors want higher returns and have done too many self-righteous smart things driven by desire.

what is suitable is the best! It is very difficult to obtain excess returns by judging the ups and downs of the short-term market. Only when investors choose products that suit them can their investment add luster to their lives. In the face of the 33-point market shock, your risk attributes, requirements for capital security and the length of investment time determine whether you buy or sell.

Precautions:

First, we should pay attention to arranging the proportion of fund varieties according to our 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 inferior 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's website, so as to get a more comprehensive and timely understanding of the funds you hold.

Fourth, we should 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 remains ahead, its income will naturally be high.

Fifth, we should be careful not to "love the new and hate the old" and not blindly pursue the new fund. 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, 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 short-term ups and downs. It is obviously unscientific to judge the merits of the fund by short-term ups and downs, and it is necessary to comprehensively evaluate the fund in many aspects and make a long-term investigation.

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

in the first half of the year, when people were still worried about the epidemic situation and worried that the "stock market", as an economic barometer, would rain cats and dogs, I didn't expect that the market would be greeted with "big fish" instead of heavy rain in the second half of the year. All major mainstream and non-mainstream indexes have achieved rapid growth. The Shanghai Composite Index broke through 3, points, 3,1 points, 3,2 points, 3,3 points and 3,4 points in the first five working days of July. In August and September, however, the shock began again. Once a route dropped from 3,4 points to 3,2 points. Some people think that the market rose too fast and too fast in the early stage, and the adjustment is normal, so you can just take advantage of this opportunity to increase your position. Others believe that the adjustment of the market is a bad signal, and it is possible to continue downward in the later period. Therefore, for funds, "buying or selling has become a problem". Jiacang, worried about being stuck in Jeremy goldkorn again; Reduce your position and worry about missing this wave of market, you have to wait for another few years. After all, the A-share market has always been "bull short bear long".

In recent two years, the returns of funds purchased by many investors are generally unsatisfactory. What caused the large losses of most funds? For these questions of investors, Mars, an analyst at Shanghai Securities Fund Evaluation Center, pointed out that, firstly, the essence of fund products is a portfolio of securities, and the performance of fund returns is closely related to the performance of the underlying market. In the continuous decline of the stock market, it is difficult for stock funds and hybrid funds, which mainly invest in stocks, to achieve positive returns. Under the 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.

in terms of long-term performance, in most cases, the overall performance of funds is better than that of individual investors, especially in bull market and volatile market. For example, in 26 and 27, more than 8% of equity funds achieved more than 1% returns, while the proportion of individual investors did not reach 5% to 3% returns in 212, and the survey showed that more than 5% of individual investors lost 5% to 5%. Therefore, the fund is still a good investment tool for individual investors to participate in the capital market.

All kinds of problems in China's stock market construction, economic development and asset management industry can't be eliminated in a short time, and they all need to be promoted by the rationality of the market as a whole. However, as investors themselves, we must measure our risk tolerance clearly and not blindly listen to the propaganda of sales staff. If your own 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, so as not to be 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 excessively chasing hot funds with outstanding short-term returns, pay more attention to funds with relatively stable long-term performance, and spread risks and obtain long-term stable returns through fixed investment and portfolio allocation.

Fund-related articles:

★ Introduction guide to the fund

★ Buying a fund in 221 will not lose everything

★ Why will the fund fall in 221

★ What are the standards of fund classification

★ What are the four advantages of ETF funds

★ What are the characteristics of short-term financial management funds

★ What is the liquidation status of funds