In the face of the plunge, fund investment should be:

1. Check the funds held

1. Check your own funds. If it is an index fund with low valuation or reasonable valuation, there is no problem and we will continue to insist on fixed investment. If there are idle funds, you can make up the position appropriately. However, it is necessary to control the rhythm and make up the position when the decline is large.

2. If it is an active fund, it can be compared with the performance of similar funds, and whether the performance has fallen behind to a great extent, and whether it has not met the original reasons for buying. If the performance is indeed unstable, you can take advantage of the decline to adjust your position and switch to a fund that is more resistant to falling and has a stable performance. Of course, if it is difficult to adjust the position, you can also wait for the fund to change when it rebounds.

3. The fund with poor performance can't be ignored, and the net value of the fund has been falling, so the fund should be redeemed or converted as soon as possible. Cut off losses and let profits run.

Second, make a plan to deal with the decline

1. Some investors said that they bought a fund 5 yuan in Licaitong, and observed the fund every day. If it fell, they would increase their positions in 2 yuan, and if it fell more, they would increase their positions. If it goes up, don't add positions. It is unreasonable to add positions too frequently. If the fund falls every day, it is unreasonable to add positions every day. Moreover, it is easy to add positions as soon as it falls, and the idle funds in hand are quickly added. When the market falls sharply and really needs to add positions, there is no money to add positions.

2. For a single position increase, it is necessary to consider the market decline and the decline in the return rate of fixed investment funds, and formulate the position increase discipline. For example, add a position every 5% or 1% decline until the funds in your hand are used up. Or it is stipulated that the monthly fixed investment will only cover the position once, and it will continue to fall after covering the position without covering the position, waiting for the next fixed investment time. This can control the number of positions and prevent the stock market from falling all the way and falling more and more.

3. If there is no extra funds to cover the position, just stick to fixed investment at regular intervals.

Third, do a good job in the psychological construction of the fund's fixed investment

In fact, after every plunge or after a period of stock market crash, we are digging a golden pit. Don't worry if you invest in low-valued index funds, as long as you don't buy when the stock market is the craziest and the valuation is overvalued, you will get good returns in the future.

Fourth, share the cost through fixed investment

1. In short, as long as it has not been sold, there is hope to earn it back. At this time, we can share the risk through fixed investment of the fund. For example, if you insist on investing in 5 yuan every month, suppose you buy 5 shares in the first month, so the average net value of each share is 1 yuan. In the second month, the net value fell by .2 and became .8 yuan. Although your total assets are only 4 yuan, you can buy 625 shares with 5 yuan.

2. If the fund returns to 1 yuan in the third month, the total assets will become 1125 yuan and the profit will be 125 yuan. And your cost per share becomes .89 yuan, as long as the net value of the fund in the third month is not less than .89 yuan, you are not a loss. The most important thing is that if we keep making a fixed investment according to this idea, the share cost will be lower and lower in the future, so it takes a long time for the fund to make a fixed investment, not too long for three or five years.

V. Precautions for fixed investment of funds:

1. Pay attention to arranging the proportion of fund varieties according to your risk tolerance and investment purpose. Choose the fund that suits you best, and set an investment ceiling when buying partial stock funds.

2. Be careful not to buy the wrong "fund". The popularity of funds has led to some fake and inferior products "fishing in troubled waters", so we should pay attention to identification.

3. Pay attention to the post-maintenance of your account. Although the fund is worry-free, it should not be left unattended. Always pay attention to the new announcements on the fund's website, so as to get a more comprehensive and timely understanding of the funds you hold.

4. Pay attention to buying funds and don't care too much about the net value of funds. In fact, the fund's income is only related to the net growth rate. As long as the fund's net growth rate remains ahead, its income will naturally be high.

5. Be careful not to "love the new and hate the old" or blindly pursue the new fund. Although the new fund has inherent advantages such as preferential prices, the old fund has long-term operating experience and reasonable positions, which is more worthy of attention and investment.

6. Be careful not to buy dividend funds unilaterally. Fund dividend is the return of investors' previous income, so it is more reasonable to change the dividend method to "dividend reinvestment" as far as possible.

7. Be careful not to talk about heroes by short-term ups and downs. It is obviously unscientific to judge the merits of the fund by short-term ups and downs, and it is necessary to comprehensively evaluate the fund in many aspects and make a long-term investigation.

8. Pay attention to the flexible choice of investment strategies such as stable and worry-free fixed investment and affordable and simple dividend conversion.

Extended information:

Balanced jiacang method:

1. Set a decline, divide the jiacang funds into several shares on average, and add one warehouse for each decline.

2. For example, let's set the decline as 1%, and add a total of 3, yuan, which is divided into three shares on average, each of which is 1, yuan.

3. The fund fell by 1%, and increased its position for the first time by 1, yuan;

4. The fund continued to fall, dropping by 1%. After the second position increase, the capital for the position increase was still 1, yuan;

5. If the fund continues to fall, it will fall by 1% again, and the third position will be added to buy all the remaining 1, yuan.

6. Finally, after the bullets are finished, wait for the market to reverse.

Resources: Fund Baidu Encyclopedia.