It rose a few years ago, and many people followed suit. It has been falling for several days now, so they start to panic again. Many small partners are asking what to do, whether to continue to hold and wait for the rise, or to pay close attention to redemption to reduce losses.
Need to explain the situation, only suggestions. The follow-up trend is up or down, and no one can give a clear answer, so what we can do at this stage is to try our best to keep our own income.
First of all, if your fund adopts fixed investment, and the fixed investment time is not long, within three years, then I suggest you don't need to do anything and continue to keep fixed investment. It doesn't matter whether it is up or down now. After all, the fixed investment of the fund is suitable for long-term investment, and short-term fluctuations do not affect long-term returns.
If you have invested for more than three to five years, you have already made some gains. In this case, if the funds are useless, you can continue to invest in the form of ignoring.
If you want to protect some gains, or where the funds can be used in the near future, it is recommended to redeem some of the gains that have been made. As long as the part of the income is not completely lost, it can be redeemed to protect part of the income.
If you want to buy low and sell high and get more income, you can redeem all the principal and income you invested before and wait for the opportunity to buy at one time. But don't think about "bargain hunting", because as mentioned at the beginning, it is still unclear to what extent the follow-up will fall, so it can almost be considered.
This is a fixed investment. If it is a one-time purchase, because the current decline has not reached a very serious level, if the previous income has not been completely lost, it is also recommended to redeem it all.
It used to be 50% profitable, but now it has dropped by 20%. At least I still have 30% profit. Worried about continuing to fall in the future, you can redeem it and keep part of the proceeds.
If it is a one-time purchase, the admission time is relatively late, for example, it was bought years ago, so far there is no income, and even a part of the principal is lost. In this case, if this part of the funds is useless, it is recommended to throw it directly, and it does not need to be managed. Wait until it goes up before redeeming it.
We also said that we should not only look at short-term benefits, but also suggest developing preparations for long-term investment. Because the stock market is cyclical, there will be cyclical ups and downs in 8~9 years. Think back to 2007, the end of 20 14 and the beginning of 15.
Now this part of the funds is useless, don't worry, and then redeem it when it rises, at least it won't lose money. If this part of the funds is useful, it can only be redeemed as part of the loss to prevent further losses.
Where should I put the redeemed part of the money? It is recommended to choose two types of wealth management products: currency and bond.
Currency can choose money fund and bank wealth management products; Bonds can be purchased directly from government bonds or bond funds can be selected. I personally recommend bond funds here. Don't choose mixed ones. Choose long-term pure bond funds. This kind of risk is relatively low, and the income is higher than that of the money fund, which can meet the requirements of fund hedging.
If you want to gain some profits on the basis of avoiding risks, or be optimistic about the subsequent rise, you can also choose a mixed fund, and choose a mixed fund with 50% bonds and 50% stocks. This can play a hedging role, and the other half can strive for income.
It needs to be explained again that the above suggestions are given in the case of continuous decline in the future, and it is definitely not recommended if you want to rise in the future.
Do you think it will go up in the future? Welcome to leave a message