We should be cautious when entering the market, that is, we should implement rational analysis and plan combining macro and micro in advance to effectively identify the crisis. Before the fund enters the market, investors should make calm decisions: first, we should objectively analyze the national policy orientation and industry progress of the fund enterprises in the year of investment, which is the basis for the strategic decision of fund investment in the financial crisis. We should fully realize the possible policy and environmental crisis in the next few years, that is, the fund enterprises with good returns in previous years do not mean that their investment benefits will always be good in the next few years. At the same time, we should pay attention to the problem of fund investment. Like stocks, there is also a crisis of uncertain returns. Second, we should pay attention to the professional structure and growth background of the management of fund enterprises, and observe whether the management quality and investment strategy of fund enterprises are worth looking forward to. In recent years, the scale of funds in China has expanded rapidly, which makes the financial investment ability of fund enterprises face great challenges. Whether its financial management level can resist the huge investment enthusiasm of residents and create stable and rich returns for investors will take time to prove. Therefore, don't blindly buy funds that you don't understand. Third, according to their own financial needs, implement long-term planning in advance and reasonably predict the crisis tolerance. In other words, before investing, it is necessary to rationally allocate personal financial resources and rationally choose products invested by the fund. If investors are relatively well-off financially and can withstand a higher crisis, they should adopt a more radical short-term investment strategy. Instead, we should adopt a relatively stable long-term investment policy.

(b) The market should be calm. The market should be calm, that is, to implement fund portfolio investment, resolve the crisis and rationally avoid the crisis. Specifically:

First, rationally allocate the portfolio of complementary funds to effectively resolve the investment crisis. At present, there are four kinds of fund investment: stock fund, mixed fund, bond fund and money market fund. Among them, the stock fund crisis is the highest, followed by mixed funds, the bond fund crisis is smaller, and the money market fund crisis is the lowest. Investors' fund investment should be reasonably allocated among different types of funds in the crisis, and their own fund portfolio should be constructed to offset some inevitable crises. It is forbidden to fully invest in a certain type of fund, and try to avoid choosing the same type of fund with the same style and operating philosophy.

Second, pay attention to adjust the investment target of the conversion fund in time to maintain the stability of the overall income. Due to the different investment strategies and capital scales of different fund enterprises, the investment income naturally varies widely. Investors' fund portfolios should not remain unchanged, but should be adjusted in time to make use of the differences in the yields of different fund companies to further disperse the crisis and improve the returns. That is to say, we should combine our own financial situation and crisis tolerance, regularly inspect the performance and performance of the invested funds, and under the guidance of professional investment consultants, properly implement the conversion of fund investment targets, including selling funds issued by fund enterprises with management errors or loopholes in time, or funds that have been exhausted by illegal speculation, and buying funds issued by newly established or established fund enterprises with good performance, background and strength at the right time.

Third, holding funds should have confidence and patience, and adhere to the long-term and steady value investment concept. A large number of statistical studies at home and abroad show that long-term investment in the stock market is the best way to preserve and increase assets. Because the short-term fluctuation of the market is difficult to grasp, and the related expenses of open-end funds are high, frequent entry and exit in the short term may not necessarily get a better return on investment.

Therefore, the investment of open-end funds should be long-term. When the national economy is running at a high level of overheating and inflation, and the economic structure needs to be controlled and adjusted, the stock market and fund market may not be triumphant all the way, or even in a downturn for a long time. Investors should be prepared for the periodic adjustment of fund investment. At this time, the best way is to hold the fund investment they have for a long time. In addition, if the rate of return of the funds held fluctuates frequently, rising and falling from time to time, the average fund investment income is not as good as expected, and the real interest rate of bank deposit and loan interest rate in the market is lower than the inflation rate in the same period, and there are no other better investment opportunities at this time, you can still continue to choose fund enterprises with larger funds to invest.

(3) Delisting should be decisive. Delisting from the market should be decisive, that is, assess the situation, change expedient measures and take the initiative to get rid of the crisis. Although compared with investing in stocks, investment funds are a kind of "lazy" financial management method, but after investing in funds, we can't let it go. Investors should still take proactive tracking management measures after purchasing fund products, and always pay attention to fund fundamentals, fund information and changes in fund net value. And decide the timing of delisting. For example, once the fund's net value falls, investors should choose the redemption opportunity according to the specific situation. There are many conditions for the decline of fund net value, which may be temporary or long-term. Therefore, when the fund's net value falls, investors need to judge carefully whether the decline in the fund's net value is due to long-term changes in the market situation or major changes in fund management enterprises. If it is the latter, and there is no sign of improvement in the short term, investors should consider selling the fund. If the market situation changes, it is not appropriate to make an investment decision rashly.

Because market changes are unpredictable, the decline may be long-term or short-term. If the price of a fund falls, it will be sold in a hurry, regardless of the future rising opportunities of the fund, which will turn the short-term market situation into a permanent loss. Furthermore, if the fund income held during the holding period has obviously exceeded the investment expectation, and there are signs that the fund growth inflection point will appear, then even if the fund market is still booming at this time, it should close its position at a good time and must not be reluctant to fight, because the crisis may not be far away or has arrived.