Recently, the market has plummeted and many funds have suffered heavy losses. Many popular funds withdrew more than 20% after the year. Someone said, "I will never play again when the fund comes back!" " "At the same time, there are also investors who are against the trend. Bian Xiao sorted out what to do with the quilt cover of the fund here for your reference. I hope everyone will gain something in the reading process!
Why did it fall? When can I bargain-hunt?
The agency believes that the long-term interest rate of overseas US debt has rebounded or fallen, and the market's concerns about liquidity still exist, and the high valuation sector continues to be under pressure. However, some fund managers said that they are not pessimistic about the adjusted A-share market, and many stocks are reappearing the adjusted price/performance ratio, or they can be laid out on dips.
With the recent market adjustment, many small partners have wavered in fund allocation. Can A shares still buy funds when they fall below 3500 points? Looking back at the annualized income of 3500-point allocation fund, 3500-point allocation fund can also gain happiness.
Investment requires reverse thinking, others are greedy and I am afraid, and others are afraid that I am greedy. If the market is weak or adjusted, it is necessary to increase investment.
In order to get through the fluctuation of the market and want to attack, we need to defend first. If you want to make money for a long time, you must learn to control risks, do a good job of matching funds, control positions, and then make a moderate profit.
First of all, this requires you to keep a good attitude in the face of market ups and downs. If you can't turn around and leave at the bottom and don't get this far at the top, learn to vote without emotion, or your best choice.
In addition, we should firmly believe that the China market can rise for a long time under the action of external thrust and internal pull.
What should I do if the fund is quilt?
Why are you trapped when others can make money by buying funds? First of all, you should know why you are quilt cover. Generally speaking, there are three reasons:
1, wrong input time.
When the stock market rose, the situation was very good, and the fund made money obviously. Everyone rushed to buy funds, and even the aunts who danced in the square dance joined the ranks of raising funds.
The domestic stock market is short and long. When you enter the fund market with confidence, you just catch up with the opening of the downward trend of the stock market. Seeing that the fund you bought fell by 10%, you cut the meat and left, vowing never to buy a fund again!
For example, in the past 10 year, there was a bull market in the stock market. 20 14, 20 15, the market has reached 5000 points, and many people are rushing forward. So who should you be?
I always enter when the market reaches its peak and starts to pull back, thinking that I am about to start making money, thinking that the cow is coming. You are so jealous of others making money that you don't care about anything.
2. Frequent operation and continuous trading
Buying a fund is not ready for long-term holding, speculating the fund as a stock, like chasing up and down, band operation, lack of patience and calm mentality.
Take stock funds as an example, the subscription rate is generally not less than 0. 15%. If the holding time is less than 7 days, the redemption rate is generally 1.5%. Short-term operations are frequent and do not earn fees.
Some people will think that it is good that my income exceeds this rate. Then our time cost will come and go. Will you buy it next time?
Some people intend to do long-term work at first, but when they do, they become short-term, even chasing up and down. Five days a week, one day you buy goods, the next day you confirm them, the next day you sell them, and the next day you confirm them, and a week passes.
3. Follow the trend to buy funds
Many novices have seen how much funds displayed by some third-party platforms have increased in the past three months. Without any analysis, they thought the fund was good, but after buying it, they fell one after another. This is also the reason why you don't make money by buying a fund recommended by a platform.
Another follow-up is to buy funds from neighbors, colleagues and friends to make money. You are in a hurry to buy this fund, which is easy to buy at the top of the mountain.
Buying a fund with the wind must be a public fund, and it must be volatile and easy to buy at the top of the mountain.
What should I do if I have been quilted?
There are two main factors that determine the investment income of our fund. One is to choose the right product, and the other is the holding time.
Buying a fund is a long-term investment, so don't worry about short-term fluctuations. It's hard to make money by chasing after a rise, like stock trading. Stop it, long-term investment is the most basic requirement.
1, ignoring short-term fluctuations and insisting on long-term holding.
In general, value investors buy stocks when the market is pessimistic. Under the condition of constant enterprise value, the more pessimistic the market is, the cheaper we buy stocks, and the safety margin of such stocks is high.
However, it takes time to digest the market pessimism and investors' understanding of the company's value, which means that the return of value takes time and cannot be achieved overnight, so we should learn to wait patiently.
The best way is to buy and wait! Because a company needs time to grow. Fixed investment is an equal cost, which is very suitable for value growth.
When investors buy funds, they expect to buy high-quality assets at reasonable prices, but in fact, the nature of "chasing up and killing down" is inevitable. The significance of fixed investment is to achieve the investment goal at an average price and in a disciplined way.
If there is a regular open-end fund with a closed period of about one year, it can not only ensure a certain liquidity, but also help us stop losses, which is also a better choice.
2. Choose excellent funds and make appropriate portfolio investment.
When choosing a fund, you can't follow suit, and you can't be optimistic about a fund. You can't put your eggs in the same basket. On the contrary, excessive dispersion is not conducive to asset appreciation.
We can build a portfolio of allocated funds to better resist the risks in fund investment and ensure that the East is not bright and the West is bright. Of course, everything is more gratifying.
3. Take profit in time and cover positions in batches.
Sometimes it's easy to earn, but hard to get! It is said that the apprentice will buy and the master will sell.
If you make a profit and want to make a profit, the easiest way to make a profit is the target rate of return, that is, set a target rate of return first, and then sell it for profit when the rate of return reaches your own set rate of return.
Investors should know that compared with stocks, active funds invest in portfolio stocks, and excellent fund managers will constantly adjust their positions. In the long run, the trend of net worth is upward. For a long-term rising variety, every callback is an opportunity.
If you are floating losses now and want to make up your position, don't rush into it. For example, an excellent active fund usually has a historical maximum withdrawal of 30%, so it can be bought once every withdrawal 10% at the high point, which is more efficient and more significant in cost sharing. Therefore, active funds focus on selecting people, choosing an excellent fund manager, and then believing that he can make the net value fluctuate upward for a long time.
Finally, "investment is also a journey of cultivation, sowing in spring, cultivating in summer and then welcoming the final harvest!" Adhere to long-term investment, I believe that 80% of the fund's income comes from 20% of the time. I hope all investors can stand loneliness and keep their prosperity when they fall!
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