The "May 30" crash opened the curtain of the mid-term adjustment of the securities market. Can investment funds still make money?

Since the beginning of this year, the market has experienced several sharp drops, such as "2.27", "4. 19" and "5.30", which not only greatly hurt the shareholders, but also greatly reduced the net value of the fund in the hands of the citizens.

Especially in the "2.27" crash, the net value of funds in the hands of many citizens "shrunk" by 8%. Seeing that the increase in the cover for several months has "vanished" with the market diving, the people are not happy.

If God wants you to die, he will make you crazy first. On May 30th, May 3rd 1 day and June1day, when hundreds of theme stocks, junk stocks and even some blue-chip stocks were firmly nailed to the daily limit for three consecutive days, the citizens were worried that in a blink of an eye, the net value of the fund would disappear again with the broader market.

I want to continue to share the gains brought by the stock market rise and avoid the "shrinking" of the gains brought by the deep correction of the stock index. This is the true mentality of the people at present. Looking at the shaky stock index, many citizens began to "panic" to redeem the fund and settle down. Others hesitate between redemption and possession. They are like Cinderella wearing crystal shoes but without a watch. They know that midnight is getting closer, but they still want to finish singing the last song.

History at home and abroad has proved that funds are effective management tools for long-term financial management, and "covering the capital" is the best fund investment strategy. However, in the mid-term adjustment of the market, in the market with obvious differentiation of the fund industry, long-term investment does not mean holding still. If the basic people want to get higher investment income, they have to "switch positions" according to the current market situation and the actual situation of the fund.

Therefore, even if we embark on a long "bear" road, it is not necessary for the basic people to redeem the fund in order to avoid short-term risks, not to mention that this is only the mid-term adjustment of the bull market. The basic people can completely jump out of the perfect dance with the rhythm of stock index fluctuation and rise by constructing their own fund portfolio.

If the fund rides a roller coaster, its net worth will also "dive"

In 2006, the stock market rose like a rainbow, and many citizens gained more than 100%. However, in 2007, the unilateral upward trend stopped, and the market fluctuated and rose, and experienced several sharp drops such as "2.27", "4. 19" and "5.30". Closely related to this is that the net value of the fund has also experienced a sharp "diving".

On February 27th, China stock market experienced an unprecedented "Black Tuesday", with the Shanghai Composite Index plummeting by 268.8 points and the net value of the fund dropping by nearly 8%. According to relevant statistics, since 2007, the fund's core asset index has increased by 7. 13%. During the week of sharp drop on February 27th, the fund's core asset index dropped by 9.78%, almost giving up the previous week's increase. Among them, the net value of open-end funds fell across the board, the average net value of equity funds fell by 7. 19%, the average net value of allocation funds fell by 6.85%, and the average net value of bond funds fell by 0.33%.

The "Black Tuesday" plunge, the fund performance is equivalent to a retrogression of more than a month, which makes many investors, especially new entrants, unbearable.

However, when the fund was slowly adjusting, and when the fund investment report in the first quarter reflected the expansion of fund performance differentiation, Ji Min was dragged into the quagmire by the April 19 plunge. On the same day, the market staged another round of "diving performance", and the Shanghai Composite Index fell 163.38 points. With the decline of the fund's heavyweight stocks, the fund's net value has also shrunk dramatically.

Statistics show that on April 19, all the 192 funds of stock type, index type, partial stock type and balanced type were spared, and their net values all declined to varying degrees. Among them, the unit net value of 1 10 stock funds decreased by 3.67% compared with the previous day, the daily average net value of 45 partial stock funds decreased by 3.7 1%, and the net value of 2 1 balanced funds decreased by 3.6 1%. The index fund, which is highly related to the market trend, has the most serious decline, which is basically equivalent to the 4.52% decline of the Shanghai Composite Index.

On May 30th, the Ministry of Finance decided to adjust the stamp duty rate of securities (stocks) transactions from the current 1‰ to 3‰. Under such sudden bad news, the Shanghai Stock Exchange fell 28 1.84 points, or 6.50%, to close at 4053.09 points. Shenzhen fell 829.45 points, or 6. 16%, to close at 12627. 15. The turnover of the two cities exceeded 400 billion days. The sharp correction of the market has made the fund unable to escape the bad luck of this round of adjustment, and its net value has shrunk dramatically. Among them, the daily decline of stock funds exceeded 5.3 1%, index funds exceeded 6.30%, partial stock funds exceeded 5.32%, and the overall net value of balanced funds fell by 4.49% on average.

Three plunge, let new and old investors experience the risk education that the fund will also lose money together, especially for new investors, it is like a blow. Although the net value of the fund is slowly recovering after the first two sharp falls, the experience of riding a roller coaster has always made the people in shock.