There are ups and downs in the market. It is difficult for investors who pursue short-term quick returns to seize the opportunity to enter the market in time when the market is up, but they try their best to reduce losses when the market is down, and even often turn the operation of "selling high and buying low" in a beautiful vision into "chasing up and killing down". Today, Bian Xiao will share with you the position management skills of fund investment, for your reference only!

Position management skills of fund investment

There are no fixed rules for the position management of fund investment, and it is also a 50% position. For investors with different risk preferences, there is a big gap between psychological experience and operation methods. We can gradually find out which position is suitable for us in the process of practice.

1, never Man Cang, up to 90% position.

The fund itself consists of dozens of stocks, which balances certain risks, but we still need to allocate 4-5 funds to various industries, so as to effectively allocate the utilization rate of funds.

According to market data, in the past 10 years, if the assets ranked first in Man Cang every year, the income was attractive enough, but the rotation of large-scale assets never stopped, and the profit-making effects of common investment varieties such as houses, stocks, bonds and gold kept rotating. Equity funds ranked first in 20 15 years, and lost-10. 1% in 20 16 years.

2. dynamically adjust your position according to the changes in the market.

80% of the time the market is in the process of shock, and only 20% of the time it rises or falls unilaterally.

From the perspective of long-term investment, if we hold an excellent fund and follow an excellent fund manager, on the basis of the bottom position, when there is a big correction in the market, we can consider appropriately adding positions on dips and gradually adding positions, instead of rebounding and leaving for bargain hunting.

Although the bottom point is difficult to predict, the net value of different market points/fund intervals can be used as a reference for jiacang. For example, when the Shanghai Composite Index falls below 3,200 points, it will increase by _% according to the actual available funds. When the index falls below 3,000 points further, it can reinvest by _ _%. Follow up your own funding arrangements and formulate a set of suitable position management methods.

3, after a long time, learn to lock the warehouse.

The fund is a long-term investment, but some people still can't help day trading. When the holding fund has a 5% return, it itches, and they are eager to settle down too soon. When the holding fund falls by 2%, they are eager to "sell", but they often miss the "cow base".

Therefore, in the case of non-heavy positions, you may wish to learn to "lock positions" for a long time so as not to miss more benefits.

Why does buying a fund fall?

1. The admission time is wrong and the holding time is too short.

Many investors worry about risks in the early stage and choose short positions. When the market continued to rise for a period of time, they could not resist the temptation to run into the market. At this point, risks have gathered. Of course, it is extremely difficult for even top fund managers to choose the best buying opportunity, not to mention that most ordinary investors lack professional knowledge and are easily influenced by market sentiment, trying to "buy low and sell high", but the result is self-defeating, and finally "buy high and sell low".

However, even if the purchase price is too high, a good fund can obtain long-term excess returns. If the holding time is too short, it is difficult to make money. The longer the average investor holds it, the higher the profitability and the higher the average return on investment. The profit probability of holding for 2 years has been stable at over 90%.

2. With the rapid market rotation, it is difficult to realize the expected "betting" switch between large-scale assets.

In the long run, few people can accurately judge the optimal timing and target every time, and the loss caused by a failed investment switch is likely to completely offset the accumulated gains over the years.

If the amount of collective one-time investment is too much, too concentrated on one or two products, and a certain industry accounts for too much in the portfolio, it is easy to lose money. If you choose the most potential fund at the low point, you are likely to make a lot of money later, which is also a typical psychological expectation of speculators. But obviously, most ordinary investors lack professional judgment, luck and courage. Therefore, investors are advised to do two things:

The first is to set your mind. Investing is like planting trees. I believe that time will produce beautiful flowers. If you don't need money urgently, you must hold it for a long time, regardless of short-term ups and downs.

The second is to choose a fixed investment method. Since we can't catch the lowest point, we will buy in batches regularly in the safe area, diversify our investment and share the risks.

Therefore, under the influence of uncertain factors such as market situation and investors' experience, by diversifying investment targets, making a reasonable and scientific asset allocation plan and holding it for a long time, we can minimize fluctuations and obtain maximum benefits within a limited and controllable risk range.

How to deal with the "curse" of the fund falling as soon as it is bought

1, make full preparations before buying, and don't fight unprepared. The soldiers and horses did not move, and the food and grass went first. Look through the historical performance of fund managers, see the management scale of fund companies, and go to the community to talk with other basic people about the experience of holding funds. The background check beforehand can't guarantee that you will buy a good "base", but it can avoid stepping on the mine and improve the hit rate of choosing a base.

2. Assess the situation and make a good risk assessment. After choosing a good fund, there should also be a good opportunity to enter the market. The secret is: not blind, not impulsive, not chasing up and down. At the same time, look at the historical retracement of the fund, look at the previous decline, and assess whether the risk is within your acceptable range.

3. Dilution cost method. After buying a fund, if you really hit the curse of "buy it and fall", there are remedial measures. This requires us to pay more attention to the situation of funds and reduce the cost of holding funds through operations such as fixed investment or low purchase of funds. Take the fixed investment as an example. After the purchase, the net value of the fund decreased. Through a complete fixed investment plan, buying at a low price in the later period virtually reduces the cost of holding positions in the earlier period.

4. Choose fund varieties with relatively small risks. If the above can't help you get rid of the curse of "buying up and killing down", you can consider choosing short-term debt funds and money funds with less risk and more stability as investment targets. Most of these funds invest in relatively safe varieties such as deposits and certificates of deposit, and the probability of "falling as soon as you buy them" is extremely low.

5, no matter how good the fund is, it will fall as soon as it is bought, so don't worry too much. Loss is the most feared thing for investors. However, it is very normal for the fund to temporarily decline after subscription. But as long as you choose excellent active management funds, you don't have to worry too much about the fluctuation of market valuation within a reasonable range. You know, active equity funds are characterized by rising more when the market goes up and falling less when the market goes down. Over time, they will naturally accumulate rich returns.

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