I have the following two views on how to invest in debt base:
First of all, before you buy a fund, you should evaluate your current income stability. If you have a stable source of income every month and want to spend part of your salary to buy a fund, you can invest in batches, for example, spend 30% of your salary every month to buy a fund yourself. This way, even if the fund you have already bought falls, you won't be too afraid. Because you have fixed funds to cover positions every month, you can reduce the holding cost, and you can quickly withdraw funds or even make profits after the market improves; If you don't have a stable income and just want to spend a sum of money to buy a fund, don't buy it all at once. The fund is volatile, so you can't be sure that it will fall. You run out of funds at one time, and when the fund falls, you can only die, or you can't stand leaving. Therefore, in this case, you can divide the funds into 10 shares (the specific share can be decided by yourself), and add positions in batches every time you buy one, so that you can face up to the goods and money in your hand, regardless of the ups and downs;
Secondly, before buying a fund, it is particularly critical to choose the fund to buy, which is also commonly known as fund allocation. When I buy a fund, I usually find three different types of funds: low, medium and high. Every fund will buy it, so you can control the risk within your tolerance. When buying a fund, you can buy some low-risk funds first, then buy some medium-risk funds when you have some surplus, and then buy high-risk funds when both low-risk and medium-risk funds are bought. Why use this strategy? Because of the small fluctuation of low-risk funds, they can protect their capital during the investment process, and even won't lose all their principal when the stock market plummets; And buying high-risk funds is to get higher returns. High risk means high return. After this configuration, you can not only obtain part of the income with medium and low risk capital preservation, but also obtain high income with high risk. It is not wonderful to make money while considering risks.
Finally, the above two strategies of batch and allocation are not completely in conflict, and can be used perfectly together.