But someone said: how do you know that the decline is huge? Are you a fairy? What if I sell it wrong? Maybe it'll pass with a little patience.
This is the last sentence of your question: should we insist?
But sometimes it's really overwhelming, big brother. Yes, we don't know the adjustment route. It may be a sideways shock with little space for a long time, or a unilateral decline with a large space for a short time.
But these are all possible after all.
In answering questions many times, I have repeatedly emphasized one sentence: we must have enough awe of the market. Well, it's awe. No one dares to say that saints are lucky. After a few days of adjustment, it was profitable again. I dare not gamble on this luck, because sometimes the market will be defeated.
And we ordinary people can earn less and lose less, but we can't lose a lot. It will make it difficult for you to turn over again. Therefore, if the index is too high, the fund will start to fall, and selling is the best policy. It is rational to wait until it falls for a while, or it is rational to wait until the adjustment is over. Why kill yourself?
The result of death is to lose money every day, be grumpy, and then affect family relations, and life and work will become chaotic. Buying a fund is for a better life. . .
You know, life has poetry and distance.
After the fund loses money, sell it and then buy it back. Should I return it in advance or insist?
As long as the market is adjusted, the net value of most funds will follow the market adjustment, unless individual outstanding funds can get out of the independent market. But it is difficult, because the market adjustment is good for a day or two, but the fund manager can't do anything about the large-scale adjustment, so the funds he manages will also follow the market adjustment, and inevitably some foundations held by the basic people will suffer losses to varying degrees. This is normal, especially this year, most fund managers are holding group stocks, and the collapse of group stocks is inevitable, and the withdrawal of fund net value is inevitable, which depends on the level of fund managers.
Officially answer your question. If you sell it at a loss and buy it back later, will you return it early? My answer is yes or no for the following reasons:
If you are an expert, a trend expert. Stop loss in time when your fund has just lost money, and then buy it back in time when the market is in place or the fund is withdrawn. At this time, your fund share may remain unchanged, so if the fund goes up a little, you can return to your capital and possibly make money. This is normal.
(2) If you are a rookie, a fresh leek, or an ordinary chicken farmer, then such an operation may miss the rebound of the market, the opportunity for your capital to return, or the opportunity for the excess income brought about by the substantial growth of the fund. This operation is not necessarily correct, and it is also possible to gamble once or twice. If it takes a long time, you will find that you have not enjoyed the bonus brought by the sharp rise of the fund.
So how to do it? Or how to operate it correctly? Of course, everyone has their own operational ideas and practices will be slightly different.
First of all, if you can see the opportunities, you can flee at a high level, and then buy them back at a low level and wait for the fund to rise, let alone return to the capital, so that you can earn excess returns.
Furthermore, if you don't have this ability, then you should allocate funds reasonably, for example, set a warehouse adding point, and add one floor for every withdrawal of 10% or 20%. In this way, you will not miss the opportunity that the market rise will bring you profits, but also reduce your costs. As long as the market rebounds, it will be easy.
To answer your first question, is it okay to die? Yes, but you may not enjoy the excess dividend in the fund band, or you may underperform the Shanghai and Shenzhen index.
Investment funds, the most taboo is a deck of poker, unless you judge that the market is at the lowest level in history. Investment is a science. It is best to divide the funds into several parts, look at the trend, add positions or take profits regularly, and predict whether the highest point in the market is God or man.
I also raise chickens, which is also a little experience. I'm still studying. I hope everyone can make money. And I hope it helps you.
I thought about it in the small white stage and did it. The final result is that I didn't miss the decline, but I missed the rise! As far as 2020 is concerned, I had a clear fund investment plan at the beginning of the year, and I built a position steadily, just because I fell for a while and chased it for a while. As a result, my rate of return is only 20 points in such a good market environment in 2020.
Buy funds with spare money, hold them for 3-5 years, and allocate a combination of long-term holding and short-term holding. Long-term holdings do not kill and chase after gains, and short-term holdings set profit targets to achieve decisive profit. Act according to your own plan and believe in long-term strength!
Funds are suitable for long-term investment, not for short-term investment. A punitive redemption fee 1.5% is required for redemption within 7 days. Very uneconomical. After the continuous market crash, you should increase your investment in fund losses instead of redeeming them. About the fund, my watermelon video has a detailed explanation, you can refer to it.
Our country's stock market has strong policies. Last year, because of the epidemic, the state adopted a loose monetary policy and the central bank released a lot of water. The property market and the stock market rose accordingly, and some investors made a lot of profits. What happened within a week after the year. However, in February, the price increase was out of control, the monetary policy was tightened, the property market was strictly controlled, the stock market lacked capital inflows, and stocks and funds fell. The money earned by others was the money you lost, otherwise you couldn't come back. There will never be a shortage of leeks in the stock market, but there are few sickles and many people with cognitive impairment.
Funds are not suitable for frequent operations. First of all, you usually have to pay the handling fee for the sale. Besides, you are in a downturn at present, but who knows when it will rise again. So, you may have gone out, not only avoiding the decline, but also missing the rise.
After the Year of the Ox and the New Year, the market fell by several hundred points, and the funds were withdrawn by a few percent to 30 percent, which was relatively large. Most of the citizens, especially the investors who started to make funds at the end of last year, are losing money.
Whether to sell it now and buy it back later, or to lie still and stick to it depends on your own specific situation!
If your position is heavy, you can redeem part of it, lighten your position and reduce your risk. If your position is light and you don't invest much, you can continue to hold it and wait for the stock market to stabilize.
But what I want to say is, you should insist on fixed investment, do a good job in asset allocation, and don't make heavy bets easily.
Fixed investment can avoid investment mistakes caused by subjective emotions, so as not to run out of bullets too quickly, and not to be scared by emotional contagion, completely afraid to start, and miss the best opportunity to dilute costs.
I'm a novice in financial management and I'm learning. Welcome everyone to discuss and study together, pursue beauty together and create the future together.
In the case of serious fund losses, we generally recommend stopping the decline. The simple way of operation is to distribute sales until they are sold out. As for whether it will be returned after the sale, it depends on the situation, because the investment is risky and there is no guarantee of the absolute trend in the later period. To solve this problem, the following suggestions are given.
First of all, under what circumstances is the fund loss? If the market falls, the loss of the fund is normal. If the market is rising, most funds are rising, and the funds are constantly pulling back. Then it is necessary to deeply understand the internal problems of the fund and see if it is changing fund managers. This is a question of checking the fund itself.
In fact, capital pullbacks often exist, and it is not surprising that losses occur. Look at the trend in the last three years to find out whether the fund is buying at a high level. If it is because it has been buying at a high level, then after the three-year callback, it is necessary to find out the main investment scope of the fund, that is, to look at the positions holding stocks, and even extend to research companies. Of course, this is for investors with a certain technical level and time. Generally speaking, we are wage earners and have no time to study these.
So what should we do for those who don't have time to study the fund? First of all, we want to make money through investment funds, but we should know that we don't make much money during the rising period. In other words, it is best to invest during the decline of the fund, so as to ensure that every time you buy it, it is cheaper than the last time. Not only can you get your money back in the future, but you can also double it. However, if you invest in funds during the rising period, the cost of each purchase will increase, and it looks positive every day. In fact, this is also an investment method that I admire, that is, the more you fall, the more you invest, but at the same time, you must control your position and whether you have enough capital turnover to ensure that you can survive the fund's rise.
Judging from my years of experience in investing in funds, I am not only afraid that I can't catch the top, but also afraid that I can't copy the bottom in the process of falling. In fact, experience also shows that it is difficult to catch the top, and it will never be caught in the end. Only with the determination to win, I will continue to vote, and I may be able to return to my original one day. If I sell it, I will come back and buy it. Both cost and time are expensive.
I think we should keep a good attitude in the investment process. Now that you have made a choice, you must have the determination to win. If the invested money has no other use for the time being, don't touch it. When the market adjustment is over, you will get used to it.
This article only represents personal views and does not constitute investment advice! If you have more opinions, please leave a comment!
Theoretically, you can, that is, you think you will fall a lot, stop loss in time, just bargain next time, and then win back the previous losses, so always pay attention to the stock market trend.
I observed that only by unswervingly going on! ! For the best policy, you should run years ago and then run again. It's been half a month since the fifteenth day of the first month! ! As long as it goes on unswervingly, you can earn some money back to the principal and spend the problem of peerless trees! ! After argumentation, everything is better than * from ancient times to the present. A lot of money has been earned by taciturn people! ! It's still earned by courageous people! ! ! (positive energy) and so on * Everything is a natural timid person or a shy person who meets beautiful women! ! I sold it a few minutes ago! ! Still, daring in everything is always a hundred times better than being timid! ! !