First, why will the fund lose money when it is fixed?
In fact, the fixed investment of the fund is to buy the fund at a specified time, and its essence is still an investment activity of buying the fund. Because the fund is a high-risk investment in the investment market, it often loses money, so the fund will naturally lose money when it invests.
Then why are fund companies promoting that the risk of fixed investment is low and they can lie down and make money?
In fact, the key to the fixed investment of the fund is long-term holding. Starting in three years and starting in five years is the most basic requirement. Judging from the fund market in the past three to five years or even ten years, if you held a fund five years ago, there is a high probability that it is profitable now.
Therefore, it is normal for the fund to lose money, but it is not unfounded to make money while lying down, but many people can't persist.
Second, what if the fund loses money?
For example, the friend mentioned at the beginning of the article insists on investing in 300 yuan Fund every month, and now he has lost more than 1 1,000 yuan. What should they do in this case?
In fact, the loss of the fund is only a decrease in the net value, and the share has not changed. On the contrary, the lower the net value, the more shares the same fixed investment can get, so many people will choose to add positions when there is a loss in the fixed investment, which can reduce the cost of opening positions.
Once the net value of the fund starts to rise, your loss-making fund becomes profitable.
Summary: So, don't panic when the fund loses money. Investment itself is risky. The key is to stick to your own investment strategy, reduce the holding cost, and then wait quietly for the day when the fund is proud.