If a depositor loses money on a fund he bought at the bank, he can sue the bank if the account manager engages in improper recommendations, operations on behalf of clients, etc. On the contrary, if the account manager recommends the fund in a formal and legal manner, the depositor will purchase the fund voluntarily. , then the lawsuit against the bank is invalid.

When the fund loses money, depositors can adopt the following investment strategies:

1. Cover-up

Investors can cover up their positions during the decline of the fund. By increasing the holding share, the cost of holding the position is shared. A common method of covering the position is to buy equal amounts. For example, for every 1% decline in the fund, buy 1,000 shares.

2. Sell high and buy low

Investors can also sell high and buy low. That is, investors sell a part of the fund during the decline and rebound of the fund. After the rebound is over, When the fund continues to fall, it will buy some funds to earn the price difference of the rebound to reduce the overall loss of investors. This method has relatively high requirements for investors. Once the prediction is wrong, it may become, buy high and sell low. situation, thereby increasing investors' losses. At the same time, the spread income generated by doing T should be greater than the fund's transaction costs, otherwise the gains outweigh the losses.

3. Holding positions without moving

Holding positions without moving is a passive investment strategy. That is, after the fund falls and investors are trapped, investors worry about greater losses caused by operational errors. If there is a loss, hold the position unchanged, wait for the net value of the fund to rise beyond the purchase price, and then sell the fund to achieve the purpose of unwinding the position.

4. Cutting meat

Cutting meat means that investors sell their holdings and get out of the fund during the decline of the fund. This situation generally occurs when fund performance deteriorates, its trend may continue to decline, and there is no hope of rebounding. Investors are worried about greater losses due to the decline in net value, so they sell the fund to stop losses.

5. Conversion

Investors can convert the fund into a relatively strong fund during the decline of the fund, and make up for the losses through the rise of the fund after the conversion.