What about the fixed investment of pure debt fund? Will you lose money? Is it a loss to buy the Ant Wealth Foundation? How much is the loss?
What if the fund loses money?
The first step is to re-examine the funds in hand.
For those loss-making funds in hand, gay friends had better check the performance and fund manager changes in recent years. Funds with poor performance rankings can consider redemption.
The fund manager changes, or the core person of the investment research team of the fund company leaves the company. In these cases, you can also consider redeeming the funds in your hands; In addition, many gay friends have a misunderstanding: "They are more willing to redeem funds with greater returns and temporarily hold funds with greater losses".
This is actually consistent with the "selling effect" of investors in stock trading, because when people are in a state of loss, they will be extremely reluctant and would rather take greater risks to gamble. In fact, those funds/stocks that make money for you may be good funds/stocks and worth holding for a long time; And those funds/stocks that are losing money, maybe you should "avoid them" as soon as possible.
The second step is to re-examine the market.
1. If you are not optimistic about the future market trend, that is, you think that there has been a trend change in the market, redeem the fund.
I am not optimistic about the long-term market, but optimistic about the short-term market rebound. I can wait for the net value of the fund to rebound and redeem the fund, but don't think about completely returning to the capital to minimize the loss.
3. Be optimistic about the future market and hold it for a long time.
How to make up for the fund loss?
1, diversify investment
If you are not optimistic about the future market trend and don't want to miss the opportunity in the market, you can adjust the previous radical fund product portfolio to a stable fund product portfolio, such as reducing the allocation ratio of stock funds (30%-40%), increasing the allocation of bond funds and principal guaranteed fund, and holding some bank wealth management products and money funds.
This will help to spread risks, and when the stock market is not good, there are some stable sources of expected annualized expected returns.
2. Make up the position and share the cost;
Buying excellent fund products to cover positions will help reduce the cost of holding fund products.
3. Fixed investment
Fixed investment is also a good way to share the cost and reduce the risk of purchasing fund products, which is more disciplined. It can not only avoid the high investment cost brought by high-level buying, but also buy more shares when the net value of the fund is low. In the long run, the cost can be leveled, and once the bull market comes, a good average expected annualized expected return can be obtained.