When we buy a fund, we are all worried about the loss of the fund, because the fund is a risky investment. When the market is bad, we may suffer heavy losses. So is the foundation in deficit? The following small series will answer your question.
Is there a deficit in the foundation?
Yes, there is a risk of loss in fund investment. Because fund investment involves market fluctuation and the choice of investment strategy, the net value of the fund may fall, resulting in losses for investors.
How to deal with the fund deficit?
Long-term investment: fund investment is usually a long-term investment plan, and short-term market fluctuations may affect the value of the fund. Holding funds and continuing to make long-term investments can better balance the risks brought by market fluctuations.
Fixed investment: Fixed investment (fixed investment) is a strategy of diversification. By investing the same amount at a specific time, you can buy fund shares at high and low points in the market and share the investment cost equally in the long run.
Diversified investment: don't concentrate all your funds on one fund, but invest in different types of funds or different asset classes, such as stocks, bonds, real estate, etc., to reduce the risk of single investment.
Understand and evaluate risks: understand the investment strategy, risk level and characteristics of fund-related assets, and evaluate your risk tolerance and investment objectives. Choose funds that match their own risk preferences and rationally allocate their portfolios.
Seek professional advice: If you are not sure how to deal with fund losses, you can consult a professional investment consultant or fund manager for professional advice and guidance. Professionals can provide targeted solutions according to personal circumstances and market conditions.
Peace of mind, long-term planning: in the face of fund losses, keep a calm and rational attitude, do not blindly sell funds, adhere to long-term planning, consider investment objectives and time, and gradually adjust investment strategies.
What will happen if the money in the fund runs out?
If the money in the fund is lost, there will be no income, which is the same as not buying the fund, but the possibility of the fund losing money is very small, because when buying the fund, when the fund loses money to a certain extent and meets the conditions of fund liquidation, the fund will automatically go bankrupt and liquidate, and the remaining share will be distributed to investors.
The conditions for fund liquidation are: when the scale of fund assets is less than 50 million for 20 consecutive trading days, or the number of fund holders is less than 200 for 20 consecutive trading days, the liquidation conditions will also be triggered. Generally speaking, the liquidation of funds is relatively rare. Only when the fund falls more and rises less for a long time can it close its position.
However, if it is a loss until the fund is liquidated, the amount left in this fund is basically very small. Therefore, when the fund loses money, it is necessary to learn to stop loss. However, because each investor has different risk-taking ability, the stop loss point will be different. When the fund stops loss, you can set a stop loss point, such as 5%, 10%, 65438+.
When the fund loses money to the stop loss point, you can consider redeeming the stop loss. Don't let the fund keep losing money. Stop loss in time, don't be reluctant, or thanks to one day, buy funds rationally.
Don't try to add positions as soon as the fund loses money. If you have this idea, you may lose more and more. The same is true when the fund is profitable to a certain extent. Need to set the take profit point, such as 5%, 10%, 15%, 20% and so on. When the fund earns the stop profit point, it can consider redeeming the stop profit.
Generally, when the fund falls, we should first analyze the reasons for the decline, and then consider whether to hold or redeem it. If the market falls, most funds are falling, and the fund itself is fine, but the fund market is not good. If it has fallen for a while, then when the fund rebounds, we can choose to wait for the return, or add positions to accelerate redemption, but adding positions will also increase risks, so be cautious.
Reasons for higher returns of stock funds
The reason why equity funds have higher fund returns is because equity funds require no less than 80% and no more than 95% of their assets to be invested in the stock market. Therefore, when the heavy stock market invested by equity funds is good, the funds will rise relatively, so the income will be higher.
However, when investing, we should keep in mind that we can't just see the benefits of the fund and ignore the risks of the fund. Equity funds are also very risky, and may suffer heavy losses when the market is not good.
For example, suppose an investor has 10000 yuan to invest in the stock fund market, and suppose the annual increase of the fund is 30%, then the money he can earn in a year is 10000×30% = 3000 yuan, which will only happen when the market is better.
Then, if the stocks invested by the fund are falling, if the annual decline is 30%, then the money lost in one year is 10000×30%=3000 yuan, so the risks and benefits of stock funds are relative, so everyone should be cautious when investing.
Therefore, the high return of equity funds will only be high if the heavy stocks invested are rising. If the heavy stocks generally fall, the principal may be lost, and the income may not be as good as that of the money fund. Therefore, equity funds are not necessarily high. Only when the market is relatively good can we say that the income is relatively high.
When choosing stock funds, you can look at the fund's heavy stocks and analyze whether these stocks are likely to rise. If so, you can consider buying it. If you don't look at these heavy stocks, it is not recommended to buy them because there is a possibility of loss.
Stock funds fluctuate greatly, and rarely go up or down all the time, because when the fund falls to a certain extent, it will be liquidated. Therefore, when choosing stock funds, we should also look at the fund size. Don't choose funds with too small a fund size, which has poor anti-risk ability.
What should I do if I buy a fund of 40 thousand and lose more than 20 thousand
If a fund buys 40,000 yuan and loses more than 20,000 yuan, it must be a high-risk fund type, and high-risk fund types generally belong to hybrid funds, stock funds and index funds, all of which invest in the stock market, so the risk is relatively high.
However, 40,000 yuan lost more than 20,000 yuan, which is relatively large, equivalent to a loss of 50%. This is definitely not so much loss in a few days, but a long-term loss process. What made you hold it for so long? This is something to think about.
Secondly, it is necessary to analyze the fund, why this fund is losing money, whether this fund has any prospects, whether it will fall, and whether it is already at a low level. Don't think about adding positions as soon as the fund falls. If you choose a junk fund with no prospect, the more you add positions, the more you lose.
Funds that encounter garbage should stop and sell in time to keep the remaining amount, and don't think about remedies. Then, if this fund rises to a relatively high position because of buying, and the overall income of this fund is good in the past, it is only because the previous increase is relatively high and the position is relatively high, so there is a slow decline process.
If it has fallen to the low level of the fund, and this fund still has a bright future, then you can consider remedy. When the fund rises, you can return to your original position, but adding positions will aggravate the risk. This needs to consider the situation and whether you still have the ability to take risks. If not, don't just add positions. You can wait and see.
If the fund rises, it will not be redeemed; If the fund falls, it will be redeemed. Generally speaking, the stop loss point of high-risk fund types can be set between 20% and 25%. When the fund loses to this extent, it will stop loss in time, because the more losses, the easier it is to lose its mind, and adding positions will aggravate the degree of losses. Therefore, it is recommended to redeem it first and wait for the right time to enter the market.