Whether investing in stocks or funds, the ideal state is to buy at the lowest point of the bear market or the beginning of the bull market, buy low and sell high, and make a steady profit. But investment will certainly not be so simple, because no one can predict whether the market will go up or down tomorrow. It is difficult for ordinary people and even senior people to judge which node of the current market is in the time cycle. Accidentally bargain-hunting at the beginning of the bear market, or grabbing positions at the end of the bull market, it was directly locked in a high position and suffered heavy losses. One of the characteristics of China stock market is that the bull is short and the bear is long. Many people who buy funds in a bull market lose more than those in a bear market! Buying a fund in a bull market can't guarantee to make money, and buying a fund in a bear market doesn't necessarily lose money. Funds, bull markets and bear markets can all be bought! As long as you find the right time, both bulls and bears can make money! So how to operate specifically? Listen to us tell you something today.

Buying a fund must look at the market index. A-shares often skyrocket or plummet, and funds will also rise and fall, especially stock-based and index-based funds are greatly affected by the market. When the market index is at a high level, don't blindly chase after the high or bargain-hunting. When the market index fluctuates at a low level, even in a bear market, you can choose the right time to buy.

1, bear market buying funds must be prepared for a long time.

Take my personal investment experience as an example. 20 13 bought a long-term optimistic stock fund in the first half of the year, and the overall market of 20 13 was not good. The market once fell below 2000 points, and I kept adding positions when the fund fell. Until the first half of 20 14, the Shanghai composite index was still at the low point of 2000 points, and the fund showed no signs of rising. But I'm not worried at all, because in the long run, the 2000-point Shanghai Composite Index is already a low point. Just wait for the opportunity, the market and capital will definitely rise. I intend to do it for a long time, and I will make up my position in the low position. Everyone must have expected the result later. Not long after, there was a big bull market at the end of 20 14, and the stock funds I held were rising every day, even exceeding the annual yield of bank wealth management products. At this time, I noticed that the increase of graded funds was greater than that of equity funds, such as securities A and B of graded funds. At this time, I decisively sold my stock fund and bought a securities grading fund. At the beginning of 20 15, there were several daily limit of securities grading funds, because the expected returns were achieved. At this time, I began to reduce my position significantly.

2. Remember not to operate frequently.

First of all, funds generally have redemption fees. The longer the holding time, the lower the redemption fee and the lower the cost. Frequent operation is easy to step on thunder in bull market and bear market. A bull market may not make money, but a bear market is prone to losses. Bear market chooses to buy or invest in funds with good performance at low value, and then wait patiently. Once the bull market comes, you can make a lot of money. Buying funds shortly after the start of the bull market can also enjoy the dividend of the bull market and enjoy high returns.

3. How should a bull market buy funds?

The bull market should buy index funds, because most stocks in the bull market can't beat the index. The Shanghai and Shenzhen 300 Index reflects the market trend. Never buy closed-end funds in a bull market. Closed-end funds cannot be purchased or redeemed by investors during the closed period. In case of a big bull market, the fund's profits will not be realized. As we all know, the bull market in China is too short, so it is best to make money. Open-end funds are much more flexible, which is convenient for investors to buy at any time and can withdraw funds when things are wrong.

There is a saying that a bear market buys new funds and a bull market buys old funds. In fact, there is some truth. The layout of the new fund has just begun, and it may not win the old fund in a short bull market. But novices should think more about old funds when entering the market. Choosing a fund with good historical performance and strong long-term profitability can relatively reduce investment risks.