Since the Spring Festival in the Year of the Ox, the market has fluctuated violently. The greater the market fluctuation, the easier it is for people to make some irrational decisions. Please be careful. Bian Xiao has sorted it out here. When the market falls, don't wait until the bottom to start buying funds for your reference. I hope everyone will gain something in the reading process!

When the market falls, don't wait until the bottom to buy funds.

When the market continues to adjust, many investors are worried that the foundation will lose its principal, so they want to cut the meat first and wait until the bottom to start buying funds.

But when the market has really fallen to the bottom, how many people dare to buy it?

Because at this time, many people began to fear that there was a bottom behind the bottom, and did not dare to enter at a lower position.

In fact, volatility is the normal state of the market, and we can't avoid all the falling times perfectly.

Someone on Wall Street summed up this rule: in the long 70 years from 1926 to 1996, the stock returns were almost created in the best 60 months, and the remaining 93% days hardly contributed any increase.

Don't rub the heat when the market falls, and change funds frequently.

When investing, you are most likely to commit "pink eye".

What goes up well and is bought will always be the hottest fund in your hand. Whenever your hands don't go up, you immediately cut the meat and chase up other funds. As a result, the style changed in two days, and the above mistakes were repeated. In the end, even the best chips won't make much money.

Charles Munger once made a metaphor: "Life is a series of' opportunity costs'. You must marry the best person you can easily find. How similar is fund investment-what you need is not a lot of action, but a lot of patience. "

According to a survey, 3 1% of the basic people hold a single stock fund for less than half a year on average, and 6.32% of the basic people hold it for less than three months on average. More than half of the investors whose average holding time of a single fund is less than half a year have lost money.

Therefore, what fund investment lacks is not excellent fund managers or excellent fund products, but patience to wait for flowers to bloom. If you have a good foundation, not tossing may be the best way.

Don't invest emotionally when the market falls.

There are only two emotions about investment: greed and fear.

When the market rises and the fund makes a fortune, many people will choose to keep it, thinking that it will continue to rise and want to earn more; When the market falls, it always greatly reduces the risk appetite, turns around and leaves, and misses the best layout opportunity.

Rising accumulates risks, falling contains opportunities, and emotional disposition usually leads to AG's low exit, which goes against the rhythm.

Emotional decision-making: the psychological process of making decisions in a negative emotional state. It is one of the manifestations of negative psychological state in combat activities.

Investment needs discipline to control anxiety. If you can't face the ups and downs calmly, you may wish to choose a fund with outstanding long-term performance and buy it in batches through fixed investment. At the same time, we should also pay attention to determine the appropriate target income by combining our own financial situation, risk tolerance, expected fluctuation range and other factors.

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