The fund share and amount are different. Fund share = amount/unit net value; Fund amount = share * unit net value. For example, if the holder holds 10000 copies of a fund and the unit net value is 1.5, then the fund amount is10000 *1.5 =15000 yuan.
Compared with stocks, shares are equivalent to the number of shares held by investors and the amount is equivalent to the market value held by investors.
Fund share refers to the certificate issued by the fund sponsors to investors, indicating that the holder enjoys the right to distribute income, the right to obtain the remaining property after liquidation and other related rights according to his share, and assumes corresponding obligations.
: Do you want to redeem the fund when it plummets?
The A-share market has experienced numerous ups and downs since its establishment. If you redeem it every time it falls sharply and buy it when it rises sharply, isn't it chasing up and killing down?
Therefore, you can introspect the question of whether to redeem in the event of a big crash from these three aspects:
1. What fund did you buy?
Is the fund I bought blindly following the trend, or did I buy it after learning and thinking?
If you blindly follow the trend, it is naturally difficult for you to grasp its next trend.
If you bought it after some thinking, you will naturally know its next trend.
For example, you bought a GEM fund. At present, GEM funds are obviously at a high level, with limited room for growth, and will fall at any time after the plunge. Naturally, you should be extra careful. Found that the GEM is not suitable, and it needs to be redeemed in case of a big drop.
If you currently hold the CSI 500 Index Fund, this index has not yet been overvalued, so you can naturally hold it with confidence, even if it falls, you don't need to redeem it.
2. If there is a car crash, what is your coping strategy?
Many people are afraid of falling down because they are not prepared psychologically and start to panic as soon as they fall down.
That's why I was so scared when I crashed. No matter whether the fund goes up or down, I will redeem it first. Finally, I found myself working hard for half a year, but I became someone else's "little leek".
The market is unpredictable, so we must have awe, and we must have the ability to cope with the ups and downs of the market.
In other words, before investing, you have to ask yourself, what if it falls next? It is natural to go up.
When investing, try to enter the market with a fixed investment. If it falls, do a good job of adding positions, which can effectively dilute the cost and obtain excess returns after a big rise.
In other words, always be prepared for both ups and downs, and never try to make enough money in the market at one time.
You think so, so do others. Finally, the slow runner can only pay for the slow runner.
Do you have any long-term plans?
The short-term risk of fund investment is great, and the long-term holding risk is very small. For example, this plunge is really risky in the short term.
But as long as you stick to it, in the long run, you will find that this decline is just a small ripple suddenly aroused on the sea, and there is nothing to be afraid of.
Therefore, before redemption, you can ask yourself whether you are ready for long-term investment.
If you have done it, you can naturally calm your heart in the face of every decline.