In the face of sudden market risks, if there is no pressure to spend money in the short term, you might as well be a patient person, and even make an appropriate reverse layout when the market is irrational.

However, the specific situation is specific. If your previous stock position is high, the market correction has caused you great psychological pressure, and you can gradually lighten your position.

However, if the following four situations occur, you can consider selling.

1, which is beyond your risk tolerance.

In fact, before buying a fund, everyone should think clearly about this issue. For example, the maximum loss you can bear is 40%, so when the fund falls by more than 40%, it is recommended to sell the fund in time or replace it with a stable fund.

Because different funds have different risks. If you buy a fund that is not suitable for your own situation and risk tolerance, then the fluctuation of the fund will definitely affect your normal life (such as investment sentiment).

2. The scale of the fund is too large or too small.

For active funds, the fund size should not be too large or too small.

Because the fund scale is too large, it will increase the management difficulty of fund managers; The scale of the fund is too small, and the fund is at risk of liquidation. Generally speaking, a fund with a scale of1-5 billion is more convenient for fund managers to manage.

3. The fund manager leaves the company.

Many investors buy investment active funds because they take a fancy to the investment ability of XX excellent fund managers, but when this excellent fund manager leaves, everyone should pay attention.

For active funds, the fund manager can decide the core issues such as "what to buy", "when to buy" and "when to sell", so the fund manager plays a vital role in the performance of active funds.

Therefore, when the excellent fund manager of XX you like has left and you are not optimistic about the new fund manager, it is recommended to sell the fund.

4. Fund style drift

The so-called fund style drift means that the fund does not invest according to its own investment style and theme, which is inconsistent with the fund's external declaration.

For example, the fund's propaganda is to invest in small and medium-sized stocks, but to buy big blue chips such as liquor and home appliances; External publicity is the theme of investing in Made in China 2025, but it plays a very important role in real estate. External publicity is the theme of 0.9533-1.22% of internet investment, but it is more important in new energy, which is called style drift.

If the investment style of a fund often drifts, everyone should pay attention.

Because the fund style is often erratic, it shows that the fund manager may not have his own investment philosophy, or he is betting on the current hot plate and theme (because for the fund manager, if he wins the bet, he can gain both fame and fortune, and if he loses the bet, it is the money of the people anyway).