Analyze what to do if the fund in your hand keeps falling

Any marketing method for financial products should guide investors to make rational decisions. Regardless of supervision, media and fund companies, it is necessary to fully disclose risks. Avoid irrational investments by young investors. The editor here has sorted out what to do if the funds in my hands continue to fall for your reference. I hope you will gain something from the reading process!

After the Spring Festival, the market continues to be miserable, and every day is green. Got flustered. The core assets that surged in the early period "bear the brunt" of this round of decline and "gave up" all the gains before the Spring Festival?

Having suffered such a "severe beating" at the beginning of the year, for those who only started fund investment in 2021 For people, it is almost the end of the world, but veteran Christians who have experienced many battles know that this is really nothing compared with the various rounds of decline in history?

We don’t “ "Archaeology", only compared with the past two years, since 2019, there have been no less than three adjustments of this level in A-shares~ Looking back on the first two sharp declines, we were not "crying to the sky and the earth" from the fall, but what happened later Everyone should know about the market?

Our comparison does not mean that there is no need to panic in the face of today's market, but that we can take this opportunity to face our own hearts: "I, in the end How much of a drop can you withstand?" After you figure it out, you can proceed to the next step of adding positions, redeeming them, or standing still.

Calm down and make a decision again

1. Close the account and calmly go short

Recalling the logic of buying this fund in the first place, the logic has changed. Are you optimistic about China's core assets and want to have a long-term relationship with a good company? Now, have the company's fundamentals changed? Be convinced of the fund manager's investment philosophy and accept his investment style. Now, his Has your investment style changed?

Every time there is a sharp decline, some people will sell and some will increase their positions. It may seem that they are completely opposite, but they may all be the right choices. No matter what you choose, please make sure that this is a well-thought-out operation, rather than simply following the trend~

A fund manager once said that if there is an investor, it is because he has studied his investment philosophy and accepted his investment philosophy. According to the investment logic, if he finally chooses to buy, he will be very happy; but if the investor chooses to buy because he heard friends and relatives say that this fund is "very profitable", then he will be very scared. He has the confidence to perform operations with a higher probability of being correct over a longer period of time and lead investors to seize the rose of time, but he does not have the confidence to "divide" the rise and fall of the market in a short period of time.

2. Run and leave? Or hold on a little longer?

After this round of correction, many friends are hesitating: Should I leave now?

The answer to this question varies from person to person:

When the inner defense line is broken, letting go is also love

--If you think that the current risk has exceeded your tolerance, even if it is later If there is a market trend, I will never regret it;

--The current loss has reached the stop loss line in my heart,

It is also a good choice to stop the loss now and leave the market.

Long-term investment, be more patient

--If you adhere to "buying funds, you must invest for the long term and be a friend of time" and "short-term adjustments are just a small flower in the long history of history". "Spray" concept, then you can relax at this time.

For these students who are holding on, what the editor wants to say is "Hold on! I have also experienced negative returns during this period, and I am holding on with you."

1. Opportunities come from falls

You should have discovered that the sectors with larger declines this time are mostly core assets with higher initial valuations. After some adjustments, The valuation of this part of assets is gradually returning, and it may be healthier~ (The legendary "falling is healthier"? Hahaha)

If you are still firmly optimistic, you can take advantage of this callback to increase your position in small amounts in batches ( Fixed investment is also good), so that you can have enough chips when the market picks up~ Pay attention, small amount!! Leave yourself enough bullets at any time.

For example:

Equity funds were also "seriously injured" in the two market crashes mentioned above, but in the following six months, Well~ Isn’t this slowly returning and achieving good gains~

2. Be a friend of time

In fund investment, seize the day and endure losses when the market corrects. Only when you rebound will you have the opportunity to harvest the rose of time. Taking the equity fund index as an example again, the longer the holding period, the higher the average return, and the higher the proportion of profitable partners~

The returns from funds purchased by many investors in the past two years Generally not ideal, what is the reason for the huge losses of most funds? Regarding these questions from investors, Li Ying, an analyst at the Shanghai Securities Fund Evaluation Center, pointed out that first of all, fund products are essentially a basket of securities investment portfolios, and the fund’s return performance is closely related to the investment. The performance of the underlying underlying market is inseparable. In the market environment where the stock market continues to decline, it is difficult for stock funds, hybrid funds, etc. that mainly invest in stocks to achieve positive returns. When the stock market rises, most equity funds tend to achieve positive returns. Therefore, it is impossible for the fund to create a myth and create high positive returns under the continuous market decline in recent years.