When buying a fund, losses are common. When the fund market is bad, the fund will lose money. So today, Bian Xiao is here to sort out 30% of the fund's losses. Can you come back to see the headmaster? Let's have a look!

The fund has lost 30%. Can it get its principal back?

If a fund loses 30%, it depends on whether it can recover its capital. If an investor loses 30% in buying a fund, it needs to increase 60% to recover its capital. If the fund can grow by more than 60%, it can return to its capital. If the fund cannot be increased to 60%, the capital cannot be returned.

It is impossible for a fund to rise by 60% in just ten days. This will take some time, and the increase of the fund will be high enough to achieve it. Some funds may increase by 60% a year, but it is still difficult for a fund to increase by 60%. Unless it is a relatively high-quality target, it is more likely to rise.

Generally speaking, the fund is a floating income product, and the fluctuation is uncertain, mainly depending on the investment target of the fund. For example, if the investment target of the fund rises, the fund will rise, and investors may return to the capital. If the investment target falls, the fund will fall, and the probability of investors returning to the capital is relatively small.

Can the fund stay after falling by 30%?

Whether the fund can stay after falling by 30% depends on the situation, mainly on whether the fund has the possibility of rising. If a fund has no possibility of rising, it is the loss caused by the fund itself, but investors think it is already a loss and just want to earn it back, but if it is not redeemed, it will lose more and more.

So it depends on whether the fund can stay after falling by 30%. Only when the fund has the possibility of rising can it stay, when the fund falls, it can increase its position, and when the fund rises, it can make money.

There are also ways to make up the position. For example, if the fund falls by 5%, 10%, 15% or 20%, it will increase its position once. The decline rate can be set according to your own situation. Once you fall, you will add a position, and the quantity of each position will gradually increase. Just pay attention to the risk of covering positions. If the fund keeps falling when covering the position, it will aggravate the loss.

Will the fund make money by buying at a low valuation?

Whether a fund will make money at a low valuation depends on the situation. It is necessary to analyze from many aspects whether the fund has prospects and whether it will go up. There are always people who think that it is cost-effective to buy a fund at a low valuation, and it is more likely to rise. But after buying it, I found that the fund has been falling, which is bottomless. Even if the valuation of the fund is very low and there are investment prospects, if the fund continues to fall, it will suffer heavy losses.

Funds belong to cyclical industries. If the industry happens to be in recession, the fund will present a low valuation at this time, but it may not rise until the next cycle after buying, so the investment cycle is long.

Secondly, when buying a fund, we should not only look at whether the fund is undervalued, but also consider many other factors, such as the fund type, the past income of the fund, the experience of the fund manager, the fund size, the morning star level, the annualized rate of return and so on.

Funds are risky investments and will lose money when the market is bad. Therefore, they must be cautious when buying. If they can't afford to take risks, they can consider bank time deposits. Bank time deposits are guaranteed capital and interest, and there will be no loss.