For some fund products that do not pay back for a long time, their holders are often worried and don't know what to do. Redeem or continue to hold? In this regard, Bian Xiao took everyone to have a look.

What should I do if the fund does not return its capital for a long time?

1. Re-evaluate the investment demand: First, re-examine your investment demand and time frame.

If your investment demand is long-term growth, you may wish to be bearish on fluctuations. However, if your goal is short-term return or urgent capital demand, you may need to consider other investment options.

2. Analysis of fund performance: carefully analyze the past performance and performance of the fund and compare it with relevant market indexes or similar funds. Understand the impact of the fund's investment strategy, management team and market environment on its performance.

Here, we need to keep our eyes open and judge what causes the fund to be unable to return its capital for a long time. For example, is it due to subjective reasons such as market environment and improper fund management, or other objective reasons such as improper admission timing?

In fact, many funds do not return funds for a long time, or it may be because the market point is too high when entering the market, and the performance of the funds themselves is not bad. For such a fund whose long-term performance is still up to standard, it may be worth considering continuing to hold or invest. If the fund really can't keep up with the performance benchmark for a long time and its performance is poor, then even the fund that has already returned to its capital needs to be carefully considered whether to continue holding it.

3. Re-evaluate the style and risk of the fund: re-evaluate whether the style and risk characteristics of yourself and the fund match.

Because people and things change, so the long-term experience is not good, you need to determine whether the style of the fund has drifted, whether the risk-return characteristics have changed, and whether your investment style and acceptance of investment risks have changed.

For example, a fund has always been conservative and suddenly took a radical line. For fund managers, it may be that the strategy has changed, or the left layout wants to "play the next big game"; But for customers with low risk tolerance, if there is no return, every day may be like a year.

Therefore, even if this fund is not bad, but the style does not match, or the fund manager you trust has changed, you need to carefully consider whether to continue holding or investing.

4. Consider diversification of investment portfolio: When considering whether to continue to hold a fund, it is best to consider this fund as a part of the overall fund portfolio.

For example, if you hold a stock fund, the fund will be in a state of no return for a long time. Before considering whether to sell, it is best to comprehensively consider the risk and income characteristics of your overall fund account. If your fund portfolio is already stable and the ratio of bonds to money market funds is already high, then there is no need to rush to clear the stock funds. Continuing to hold them for a long time can provide higher long-term growth potential for the overall portfolio.

If your portfolio has been excessively biased towards the stock market, and the risk is more concentrated on stock funds, then you can completely consider selling stock funds and allocating some bonds or money market funds to achieve a more balanced asset allocation. Of course, the above principles should be followed before selling.

The above are some contents of the fund, so you can pay attention to it.