A-share market has changed. At the beginning of last month, the Shanghai Composite Index was still in a "structural bull market", and the three major stock indexes rose all the way. Unexpectedly, after half a month, A shares turned into ups and downs. Bian Xiao has sorted it out here, and it is very important to stick to the strategy of market ups and downs for your reference. I hope everyone will gain something in the reading process!

Automatic investment plan

1, the threshold is low, which dilutes the admission opportunities.

No matter which investment method we choose, we all hope to "buy low and sell high". If you can "buy four or two kilograms" at a lower cost and get high returns after holding it, it will be more perfect.

But in most cases, it is not easy to achieve both situations at the same time. Many times we are all unfortunate "takers".

Fixed investment is different from one-time investment, and the cost of investment is calculated by the average cost of multiple investments. Therefore, for most investors, investment needs to be simplified, and fixed investment is an excellent allocation method.

The fund's fixed investment properly combines these two points, which not only has a low starting point, but also dilutes the admission opportunities. No matter how the market fluctuates, it is beneficial for investors to invest a fixed amount at a fixed time every month.

2, compound interest is obvious, with less gathering more.

The reason for choosing a fixed investment fund is to win more with less in long-term investment and realize compound interest appreciation. Short-term income is not considered much, because even if the net value of the fund rises or falls in the short term, investors will get an average.

In particular, the fund's fixed investment, automatic price increase on dips and automatic price reduction on rallies have eliminated market volatility. The longer the time, the more obvious the compound interest effect. Therefore, investors no longer need to worry about short-term "twists and turns" and do not need to abolish them. On the contrary, as long as the prospect of investment funds is bright, short-term decline is a good opportunity to "accumulate wealth and thin hair".

3, easy to buy and sell, saving time and worry.

Fixed investment is also called lazy financial management. There is no need to do homework every day to see the market. Leave the remaining "troubles" after the fixed investment to the fund manager. (wealth)

What fund do you choose to vote for?

Choosing a high-quality fund suitable for fixed investment is the most critical step to obtain income.

After all, not every fund is suitable for fixed investment. There are many kinds of funds in the whole market. What kind of fund should be chosen for fixed investment in the ocean of funds?

How to choose the ideal fund?

1, the performance fluctuates greatly.

When it comes to fixed investment, we have to mention the smile curve of fixed investment. As we all know, the smile curve describes the process of accumulating chips from continuous decline and selling them for profit when they rise to a higher position or reach the expected yield.

Therefore, compared with bond funds with smaller fluctuation range, partial stock funds with more severe fluctuation range can better gradually dilute the cost during the decline period, thus gaining more benefits in the subsequent rise.

Here, I might as well give an example of 1: the initial unit net value of a fund in the last five months is 1 yuan, 0.7 yuan, 0.5 yuan, 0.8 yuan and 1 yuan respectively. Then, regardless of the subscription fee, if you invest 100 yuan at the beginning of each month, then when the net value of the fund returns to the starting point five months later, you will finally get a return of 33.57%.

And what will happen if the net value of fund units at the beginning of the last five months is 1 yuan, 0.9 yuan, 0.8 yuan and 0.9 yuan, 1 yuan respectively?

With the decrease of fund net value fluctuation, when the fund net value returned to the starting point five months later, we finally got 9.44% income.

It can be seen that if you continue to invest in funds with large fluctuations in performance, you can continue to reduce costs and accumulate chips when it falls, so that you can get better returns when the market picks up.

2. Good performance in the medium and long term

I believe many friends favor fixed investment index funds, but in fact, active management of partial stock funds with good long-term performance is also worth considering.

3. Long-term prosperity of high school.

Of course, it is a good strategy for the fund to make a fixed investment, but if the long-term prosperity of the industry corresponding to the selected fund leads to a long-term decline in the net value trend, the fixed investment will lose its meaning. It can be seen that it is very important to choose the right track. (Morgan Stanley Huaxin Fund)

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

From the long-term performance, in most cases, the overall performance of funds is better than that of individual investors, especially in bull markets and volatile markets. For example, in 2006 and 2007, more than 80% of equity funds achieved a return of more than 100%, while the proportion of individual investors was less than 20 12 years. Nearly 50% of equity funds have achieved a return of 5% to 30%. According to the survey, more than 50% of individual investors have lost between 5% and 50%. Therefore, the fund is still a good investment tool for individual investors to participate in the capital market.

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

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