First, judge the root cause of capital fluctuation.
If the withdrawal of funds is caused by short-term market fluctuations or short-term policy interference, we don't need to worry too much, but we should continue to adhere to the logic of long-term investment and adhere to the concept of long-term investment, which is the best way to deal with normal market fluctuations.
Choose the way of fixed investment of the fund to smooth the influence of market fluctuation.
If you want to avoid the risk of capital fluctuation through short-term high selling and low sucking, it is desirable to obtain investment opportunities. It is difficult to avoid the withdrawal of funds through short-term timing and stop at your understanding.
When the fund is facing a greater risk of retracement, we can gradually gain more chips through fixed investment at a low level.
If you hold a good fund with relatively abundant funds, you can divide the funds that can be invested into multiple points. You can consider investing in the fund through fixed investment when it falls, accumulating chips at a low level and waiting for the market to pick up. You can get a good return.
Fixed investment of funds can better disperse investment risks and reduce subjective operational risks, which has become a financial choice for many investors.
At the same time, the fixed investment of the fund is a stable financial management method suitable for medium and long-term investment. In the case of relative prosperity of the overall economy, it will exceed expectations to properly and reasonably adhere to the fixed investment of the fund.
Fixed investment of funds is a way of managing money. We should accept the periodicity and long-term nature of fixed investment. Over time, not only will you get the income from the fund's fixed investment, but you will also have good financial habits.
Choose products that match your risk tolerance.
Everyone's understanding of fund fluctuation is different. Some fluctuations are completely tolerable for some investors, but may be uncomfortable for some investors. If you are in the latter case, it means that the type of fund you bought does not match your risk tolerance.
It is difficult to insist on a fixed investment in the case of mismatch, because the fluctuation of the fund will interfere with your investment sentiment, and you may make irrational judgments or directly draw conclusions about investment.
If you want to insist on fixed investment, don't pay too much attention to short-term gains, but focus on the long-term performance of the fund, which can be compared with similar funds or performance benchmarks.
If the performance of the fund is good in the medium and long term, such as the last three years or even longer, but not very good in the short term, such as the recent 1 month, the fundamentals of the fund have not changed, and it should be possible to continue to hold it. If the performance of the fund lags behind for a long time, it may be possible to consider redemption.
Finally, we must attach importance to asset allocation.
Eggs are packed in baskets, and different baskets are equipped with various assets, so the correlation is low.
For example, while allocating partial-share hybrid funds, allocate some bond funds to enhance the defense function of the portfolio.