First, why will the fund lose money when it is fixed?
First of all, I'll help you popularize science. Why is the fixed investment of the fund not as beautiful as advertised in the actual operation?
For example, a third-party fund sales platform advertised that the expected rate of return in the past three years exceeded 50%, but when you started investing, you found yourself losing money. The main reasons are as follows:
1. The past does not represent the future.
The slogan of a fund's fixed investment is usually the expected rate of return of a certain fund in the past few years. For example, if you start investing on 20 15 and withdraw on 20 18, you can get 30% expected return.
However, the expected income in the past does not represent the future, and even the difference is particularly large. This is the difference between funds and other regular wealth management products.
2. The fixed investment time is not long enough
Friends who invest in funds often say the word "smile curve", that is to say, in the process of fund decline, a person will invest in it and then retreat after the fund rises, which constitutes a perfect smile curve.
Therefore, if you don't insist on fixed investment for a long time, but only at this stage of decline, then you will always lose money.
3. The market is not good
Like many hybrid funds, stock funds or index funds, they all track the stock market. If the whole stock market is not good, then the fund will also lose money.
For example, the A-share market fell for 9 consecutive days, and basically all funds continued to lose money. Fixed investment could not change the market trend.
Second, what if the fund loses money?
What should I do if the fund has been losing money in the process of fixed investment?
1. Hold on tight
First of all, investors must not have the mentality of chasing up and down, and sell quickly when they find that the fund is losing money. This mentality is not suitable for the fixed investment of the fund.
Just like the smile curve mentioned above, the more you fall, the more you should firmly grasp it, and wait until the curve rises before throwing out profits.
Add position
If the net value of the fund falls after you start to make a fixed investment for a period of time, you can choose to increase your position at this time to reduce the fund's position cost.
Because if you don't add a position, you need to go up to return to the original. If you reduce the cost, you just need to go up and get back to your original cost.
Moreover, buying more stocks at low prices will maximize the expected return when the fund rises.
stop loss
Of course, there is a special situation, that is, you really don't like this fund, or after analyzing the market situation, you think this fund has no hope.
At this time, you can also choose to sell the stop loss, reinvest the funds in another fund, and finally you may make more money.