How to buy a fund without losing money?
First, underestimate the purchase.
If all the funds in the market are regarded as a market, each fund corresponds to a different plate in the market. When we buy food, we all like to buy it when the price is cheap. So is buying a fund. Funds also need to buy when their net worth is relatively cheap. Only when the fund is relatively cheap can the bought fund make money. If the fund you buy is too expensive, such as the GEM fund, the GEM fund rose too much some time ago and accumulated too many bubbles, reaching a high level, and the callback was the most severe recently. It is this kind of high-level fund that you bought, and the natural loss is relatively large.
Therefore, when buying a fund, you need to understand two things:
First, the fund itself has gone up by 90%, which does not mean that you can go up by 90% even if you buy it. Just like GEM funds, if you buy at a high level, you will not only earn less than 90% of the proceeds, but also lose money. Only when the GEM is undervalued can you buy it and earn 90% when the GEM rises sharply.
Second, the asymmetry of stock market ups and downs. In the eyes of investors, a drop of 10% and an increase of 10% will not return the capital. Actually, it's not. A drop of 10% needs to be increased by 20% to recover the cost, and a drop of 50% needs to be increased by 100% to recover the cost. For example, it fell from 1 yuan to 0.5 yuan, with a drop of 50%. However, to increase from 0.5 yuan to 1 yuan, it needs to increase by 100%. This is the asymmetry of the stock market, which also tells us not to buy funds when the valuation of funds is high or the market is at a high level.
Instead, start buying when you are underestimating. When the fund goes up, buying cheaply is king.
2. Fixed investment or batch investment
Fixed investment is the only magic weapon to resist risks. Because every time the fixed investment enters the market, the amount is small, and the loss is not big. Even if you buy at a high level, you can eventually turn a profit by reducing the cost price through constant fixed investment. For example, if the current net value of a fund is 1.906 and you bought it in 2.003, then when the fund falls. We implement the strategy of "the more we fall, the more we will invest", and gradually reduce the cost price to below 1.906 yuan, so the possibility of returning to the cost is very high. Or execute a fixed investment from the beginning, which can reduce losses and achieve the goal of earning more.
If you feel that the return on fixed investment is too slow, you can also invest in batches instead of one-time investment. Divide the funds to be invested into 10 shares, one to build a position, and then add a position every time it falls, and it is more appropriate to use up 10 shares slowly. In short, if you want to make more money with less losses, you must learn to take your time and invest slowly, so that you can really make money.
Third, position control.
The bull market is coming. No matter what happens to Man Cang, many investors are right. After buying it, they found it wrong. This is not a bull market at all. At best, it is a structural bull market, which can't even break through 3500 points and starts to fall. Great, I only have 40 thousand yuan on hand, and all I bought are funds. When I fell, I didn't even have chips to add positions. How can I get my money back?
So don't buy Man Cang. You must keep enough cash in hand to increase your position when the market falls. Or rationally allocate the ratio of stock funds to bond funds, buy more stock funds when the stock market is good, and buy more bond funds when the stock market is bad. Even Warren Buffett holds a lot of cash and bond funds when investing. The purpose is to quickly bargain-hunting after the plunge, increase the proportion of stocks and earn more money.
If you only have 40,000 yuan on you, according to the current high level, you can invest at most 1000 yuan, and the rest will be used to make up the position. If your total principal is only 5,000 yuan, don't invest 5,000 yuan directly. Try the water with 500 yuan first. In short, position control is very important, especially in a volatile market. You never know when it will fluctuate and when it will fall. This is a taboo, so it is important to remember that you don't want Man Cang. Only by controlling your position can you reduce your losses.
Buying a fund wants to lose less than others. In fact, you should know the investment discipline, buy when you should, watch the cash in your hand when you shouldn't, wait for the opportunity and win with one blow.