Years ago, high-level stocks or funds lost money, and Man Cang Bullet was ready to enter the market. Are faced with a sudden drop in the market. What should you do if your fund loses money? Bian Xiao compiled here what to do when the fund plummeted, for your reference. I hope everyone will gain something in the reading process!

1, when the fund falls sharply, don't rush to make up the position, pay attention to the method.

Just like buying stocks, most people will think of covering their positions as soon as they encounter a big drop, especially now. However, covering positions is also very particular. In this market, it is very important to pay attention to the discipline of covering positions.

What is discipline? Is to set a threshold for falling. For example,-10%, or-15%, add positions as soon as they arrive, just like the stop loss point of a stock. However, it should be noted that if the threshold is too large, you may miss the opportunity to share low costs when you fall; If it is too small, it will be embarrassing to add positions too often.

Descending threshold method:

This needs to be combined with current market decisions. When encountering a market that has repeatedly hit new lows, it is obviously necessary to set the decline threshold higher, such as-10%. If it is a volatile market, it can be smaller, such as -5% and -8%. Of course, if it is a stock, it can be enlarged appropriately.

Little threshold is a bit like a band? Yes, in the future when the market is uncertain and the bottom fluctuates with high probability, the risk of using funds as a band is much smaller than that of stocks.

2. What should I do if I have been making a fixed investment?

There are two aspects to this situation. First, the market is falling, no matter how much it falls, it is still necessary to buy it regularly when it falls; Second, and most importantly, if the net value is adjusted back, you can't redeem it now, but you should continue to buy.

This is a little awkward. Anyone with a discerning eye will know at a glance that this kind of fixed investment is definitely a loss. When it is cut by leek, it should be loaded with bullets. It's hard for anyone to hold it! But bosses say there is always a way to focus on the long term. This method is to add some bottom positions on the basis of fixed investment.

Friends who have played to know that you need to leave a bottom position before doing T, that is, buy some stocks at one time in advance. The consideration of using the bottom warehouse to make a fixed investment strategy is that if you buy it at one time when the market is in a downturn, the space for further decline is limited and the risk is controllable; At the same time, if you continue to make a fixed investment, you can accumulate more chips at a lower point in the market and earn more when you rise in the future. And its biggest advantage is that when the market stabilizes, rises or rebounds in the future, it can get double benefits.

As for the number of bottom positions, it also depends on the market situation, generally 30%-50% is appropriate. The higher the bottom position, the more confident you are about the future market, and vice versa.

3. Combination balanced configuration

It sounds hard to understand, but in fact, it's just to reduce risk, but remember, it's not to improve portfolio returns. We all know that there are some indicators for measuring funds called standard deviation and Sharp ratio. The former probably refers to the degree of fund fluctuation, while the latter refers to the number of income units per unit fund fluctuation. Therefore, if you want to do a good job in portfolio balance, you need to pay more attention to these two indicators.

For an extreme example, in the long run, the sharp value of stocks is better than that of bonds, but the standard deviation is much larger than that of bonds. Therefore, you should ensure the return of your portfolio, and Sharp should not be too low; However, the risk of portfolio should be controllable and the standard deviation should not be too high. In this case, the hybrid fund will be superior to the stock-based or debt-based fund.

Hybrid funds are a hodgepodge, including stocks, bonds and currencies. , and a variety of positions. Some stocks account for more than stock types, and naturally have better performance when the market is bullish; Others only allocate bonds and bank deposits, so when the market falls, this mixed base may rise.

How to choose

In the past two years, the returns of funds purchased by many investors are generally unsatisfactory. What caused the large losses of most funds? Mars, an analyst at Shanghai Securities Fund Evaluation Center, pointed out that, first of all, the essence of fund products is the combination of securities, and the performance of fund income is closely related to the performance of the underlying market. In the continuous decline of the stock market, it is difficult for equity funds and hybrid funds, which mainly invest in stocks, to achieve positive returns. In the case of rising stock market, most partial stock funds can often achieve positive returns. Therefore, it is impossible for funds to create myths and create high positive returns in the continuous decline of the market in recent years.

From the long-term performance, in most cases, the overall performance of funds is better than that of individual investors, especially in bull markets and volatile markets. For example, in 2006 and 2007, more than 80% of equity funds achieved a return of more than 100%, while the proportion of individual investors was less than 20 12 years. Nearly 50% of equity funds have achieved a return of 5% to 30%. According to the survey, more than 50% of individual investors have lost between 5% and 50%. Therefore, the fund is still a good investment tool for individual investors to participate in the capital market.

All kinds of problems, whether China's stock market construction, economic development or asset management industry, can't be eliminated in a short time, and all need the rationality of the market as a whole to promote it. However, as investors themselves, we must measure our risk tolerance clearly and not blindly listen to the propaganda of sales staff. If your risk tolerance is weak, or the funds you want to use in the short term, you can't invest too much in a single stock fund to avoid being greatly affected by the risk of stock market fluctuations. Therefore, for individual investors, it is more meaningful to have a long-term investment mentality, choose appropriate fund products according to their own risk tolerance and renewal, avoid excessive pursuit of popular funds with outstanding short-term returns, pay more attention to funds with relatively stable long-term performance, and spread risks through fixed investment and portfolio allocation to obtain long-term stable returns.

Matters needing attention

First, we should pay attention to arranging the proportion of fund varieties according to our own risk tolerance and investment purpose. Choose the fund that suits you best, and set an investment ceiling when buying partial stock funds.

Second, be careful not to buy the wrong "fund". The popularity of funds has led to some fake and shoddy products "fishing in troubled waters", so we should pay attention to identification.

Third, pay attention to the post-maintenance of your account. Although the fund is worry-free, it should not be left unattended. Always pay attention to the new announcements on the fund website, so as to have a more comprehensive and timely understanding of the funds you hold.

Fourth, pay attention to buying funds, and don't care too much about the net value of funds. In fact, the fund's income is only related to the net growth rate. As long as the fund's net growth rate stays ahead, the income will naturally be high.

Fifth, we should be careful not to "love the new and hate the old" or blindly pursue new funds. Although the new fund has inherent advantages such as preferential prices, the old fund has long-term operating experience and reasonable positions, which is more worthy of attention and investment.

Sixth, we should be careful not to buy dividend funds unilaterally. Fund dividend is the return of investors' previous income, so it is more reasonable to change the dividend method to "dividend reinvestment" as far as possible.

Seventh, we should pay attention not to talk about heroes in the short term. It is obviously unscientific to judge the pros and cons of the fund by short-term ups and downs, and it is necessary to make a comprehensive evaluation of the fund in many aspects and conduct a long-term investigation.

Eighth, we should pay attention to the flexible choice of investment strategies such as steady and worry-free fixed investment and affordable and simple dividend transfer.

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