Some netizens asked - "The fund has fallen for a round, and some people say that we can enter the market to buy the bottom. Is there a certain way to make money?" In today's society, there are many channels for investment and financial management, and there are many projects. There are few, and there are countless ways to invest and manage money. At the same time, the investment methods or investment portfolios suitable for different investors are definitely different, because everyone’s asset situation is definitely different, and everyone’s investment expectations, investment habits, and risk tolerance are also different. If they are not the same, then the best investment method will naturally be different for everyone.

It is no exaggeration to say that funds have been one of the most popular financial management projects in the past two years. Many people have made a fortune in the fund harvest year of 2020, causing many people to enter the market and buy funds. , or gearing up to enter the market, it is really "when you are not buying a fund, you are on your way to buy a fund." Previously, funds have experienced a round of retracement and have generally been at relatively low levels. High-quality funds have even seen bargain-hunting opportunities. However, there is no way to ensure that you will make money when entering the market. Having said that, some of the most basic general rules , it is still very suitable for financial novices to learn from and learn from.

1. Don’t be greedy for quickness, be patient

Many people think about what will happen before they start managing money. Obviously, this mentality is not advisable to make big money, especially for funds. It is actually more suitable for long-term investment, because the probability of obtaining returns will be higher, instead of entering the market today to buy the bottom and making a lot of money tomorrow. In other words, The fund itself is not a speculative tool for making quick money, but a long-term investment channel. Therefore, if you invest in a fund, try not to touch it within six months, let alone withdraw funds frequently. Because the return cycle of fund investment generally takes more than half a year, especially those funds with higher expected returns, there will still be a probability of losses within half a year, but if you survive half a year, you will see great potential for profits. .

If you are going to use this money within half a year, it is not recommended to buy medium-risk or higher-risk funds, or closed-end funds. It is recommended to choose low-risk and high-liquidity funds. Monetary funds, however, as a result, the expected returns will naturally be less, because the yields of money funds are basically around 3%, or even around 2%.

2. Don’t ignore the experience of fund managers

When choosing a fund, in fact, it largely depends on which one you choose. Fund managers, for those who don’t have much experience in financial management, will give priority to funds managed by fund managers who are “household names” in the majority of Christian circles, experienced, and have made steady profits over the long term. If you use quantitative standards to select , that is, choose more than 5 years of industry experience, and an annualized return of more than 15%. Of course, having said that, more of these two quantitative standards will naturally be better. For example, if you have more than 10 years of industry experience, especially more than 15 years, You will have the experience of going through two bull-bear transitions, and you will have seen a bigger world. Therefore, do not ignore the experience of the fund manager, especially the ability to deal with retracement situations and weak market conditions.

3. Buy funds with fixed investment

If a fund wants to make money, it has to buy low and sell high. However, sometimes we may not be able to accurately judge where to invest. When is the best time to buy, and when is the best time to sell. When buying funds, many people tend to chase the rise and kill the fall, and they still have heavy positions, or even "shuttle". Buying with a full position is obviously the "fearless" method that is most likely to lead to losses. On the other hand, the fixed investment method, buying in batches and pouring water slowly, can relatively perfectly avoid the disadvantages caused by wrong timing. Even if you buy high at the beginning, you can reduce the cost of holding positions through continuous fixed investment, instead of pretending to be asleep or "carrying it to death" without follow-up "rescue" funds after being trapped.

Although the risk of funds is less than that of stocks, fund investment should still be treated with caution, because it is not easy to accurately grasp the market trend of funds. As an ordinary person, it is not easy to The safest way to predict it is to choose fixed investment to diversify the uncertain risks caused by the unpredictable market.

In fact, the specific method of fixed investment is also very simple. It is definitely not complicated. It just depends on how much money you want to invest and how long the period is. For example, if 120,000 is invested within three months, then every Invest 40,000 per month, divided into four weeks, and invest 10,000 per week.

4. Reasonable profit taking is very important

The fourth and most important point is that you must learn to take profit. If you buy The fund already has relatively generous floating profits, so you can consider gradually stopping profits. Here we mainly talk about the maximum retracement method. To put it simply, every time the fund retraces and falls by 7%, sell 1/3, and it falls by 14%. When it fell, 2/3 was sold. When it fell by 21%, the fund was basically sold entirely.

To put it simply, there are actually many ways to manage fund finance, and there is no fixed winning formula. The method that suits one person may not be suitable for others. Therefore, if you want to do a good job with the fund , you still need to combine your own reality to practice and summarize the most suitable method for you, but you must always remember that - fund investment is risky, you must have your own rational judgment, and you cannot blindly follow the trend to avoid unnecessary losses.

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