Partial stock funds bought at 3500 points or even higher in A-shares have not returned their capital so far. I don't know what to do next Do you want to redeem it? So how should a novice deal with such a problem? Today, Bian Xiao will share with you what to do if the fund bought at a high point loses money, for your reference only!

Rational analysis of the reasons for the decline.

We should make it clear that if we invest in partial stock funds, the investment direction is the securities market, and there will always be gains and losses when trading in the secondary market. No one can say that I can buy the lowest and sell the highest every time I operate, but I always invest with this idea, and I will inevitably miss the trend or do the opposite.

Therefore, in the face of loss calculation, we need to clearly distinguish, what causes a large number of losses in our investment products? Is it because the fund manager is incompetent? Or is it because of the inevitable market decline? Or is it because of our disorderly operation?

If it is the first type, decisively exchange funds through market decline. If it is the second type, please wait patiently. Excellent fund managers will always be winners in the long run. If it is the third kind, please calm down and don't be affected by ups and downs. The most basic investment is to pay attention to your own hands, including buying and selling.

Generally speaking, the market decline is a good opportunity to screen funds. Good funds often seize the opportunity of low-level layout to rebound quickly when the market is good, while poor funds may be devastated.

Specifically, in the declining market environment, if the fund you hold is strong in itself, its medium-and long-term performance and quartile ranking are still in the forefront, and there is no big change in the near future, such as the change of fund managers, you may wish to consider giving more time and trusting excellent fund managers; For those funds that only perform well in the short term, and those that have rushed more fiercely some time ago, they need to reconsider.

What about loss-making funds?

In this case, we have only three options: redemption, staying put or adding positions. But these three methods are also different from person to person, and which method to choose cannot be generalized.

1, redemption

Should the losses of high-level buying funds be redeemed? Might as well ask yourself a few questions first:

Is there a better place for your money?

At present, A shares still have high cost performance. If you don't find a better investment substitute, you just want to redeem it first and wait until the market bottoms out. Not recommended, because no one can confirm when the bottom is, and intraday trading will increase the handling fee and increase the investment cost.

Are you optimistic about the current investment target itself?

The investment targets here are mainly divided into two categories, one is the investment fund, and the other is the industry and individual stocks invested by the fund. We must acknowledge the losses that have happened. What we have to consider now is whether the funds we hold now can rise back. Considering whether the fund is reliable, we mainly examine two factors: performance and fund manager's ability. We might as well take the medium and long-term performance and quartile ranking of the fund as the basis to see if there are any major changes in the fund in the near future (such as the change of fund manager). If it's just a market error, the fund manager itself is strong, so we might as well give more time and trust the professional ability of excellent fund managers.

As for the industries and stocks invested by the fund, it can be judged according to the investment scope stipulated in the fund contract and the positions in the quarterly report, combined with the fundamentals, profit expectations and financial data of relevant industries and companies, but attention should be paid to the delay of the quarterly report data. It is possible that the fund manager has changed positions now, and the updated positions will not be known until the next quarter.

It is true that some people bought heavily at the high point of the market in the early stage because of herd mentality, and now they feel that they are not within their own risk tolerance. It is suggested that they can gradually redeem their acceptable positions to avoid emotions affecting normal investment judgment and avoid the risk of stepping out.

Therefore, if your anxiety comes from the high position, which leads to the unbearable short-term fluctuations and losses, that is, the individual's risk tolerance does not match the investment income target, then choosing redemption stop loss may be a good way to stop your anxiety immediately. After all, it is more important to have a good sleep and live happily than to lose a little money.

However, if your current position is not heavy, and you are actually confident about the future, but you can't accept the floating losses on your books psychologically in the short term, then I suggest you take another look, that is, "stay put" or increase your position.

Step 2 stay where you are

Of course, "sit tight" doesn't mean just waiting. We should learn to dynamically track the funds we invest in, not just look at them. For example, if the net performance is unfavorable or continues to decline due to the change of fund managers, we must carefully choose whether to continue holding!

Step 3 add a position

We should look ahead, that is, whether the current fund has potential in the future. If the judgment is yes, the current position is not high, it is recommended to add positions to share the cost when losing money.

Masukura allows you to get more cheap chips at a relatively low position, which not only helps to dilute the investment cost, but also helps to realize the profit return faster in the subsequent rebound or rise.

What is the specific increase? There is a method, assuming that the original holding amount is about 1/3, so that when the fund rises by about 8%, it can recover the original 10%, and then it can be profitable when it rises to the point where it was originally bought. This method is suitable for investors with low positions. If there is more cash on hand, money that can't be used for several years, and if the market continues to fall, you can reduce costs by making up positions one after another.

So when do you add positions? Although the market valuation is not high now, it is still not recommended to shuttle. In the face of losses, many people will be irrational. Although they know there won't be much room to fall, if you fall by 0.5% or 1% every day, you will collapse in just one or two weeks.

At this time, you will become an investor with an inappropriate position. Finally, you will choose a stop loss, and the book loss will eventually become an actual loss.

Fixed investment is a good way to have no time.

In the current skyrocketing market, even if the index really does not rise or fall in the end, the income from fixed investment is also considerable.

If the market breaks through 3400 points and continues to rise, investors can reap the gains from the increase in the net value of the fund as long as they set a reasonable profit point and be safe; Even if the market falls below 3300 points, as long as you insist on long-term fixed investment, you will accumulate state chips in stages during the downward shock, and you will also have the opportunity to harvest a "smile curve" when the market rebounds upward.

Market fluctuation is inevitable. Without judging the market prospect and considering the investment details, the fund's fixed investment may not get the best effect, but it will certainly not fall into the worst outcome, because the core of fixed investment is to smooth the long-term fluctuation of the market and continuously reduce the cost, so as to have a chance to obtain stable income.

Therefore, it is of course meaningful to choose a good fund for investment, but generally speaking, as long as you are patient, the longer the time, the greater the probability of profit.

Finally, some investors will ask why the fund has been making money for a long time, but we have lost money when we bought the fund. Because what you lack is not an excellent fund manager or excellent fund products, but a reasonable asset allocation and patience to wait for flowers to bloom.

It's not that there is no fund ten times as much as ten years, but that it can't be obtained in ten years. In the past, fund managers with annualized investment income 15%-20% didn't, but you can't spend time with him.

Therefore, the large-scale asset allocation that suits you can help you spread your funds to different markets, even reverse related markets, which is a wise move to effectively reduce fluctuations and prevent losses. And remember, investment is a long-term thing.

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