When the market is unstable, many investors will panic. Seeing that the fund is falling day by day and the money is getting less and less, they are suffering in their hearts. So, should the fund plunge and buy again?

Should the fund be cleared before buying?

If only the fund you bought is falling sharply, most other funds are rising, the fund itself is in poor condition, or the fund manager is not operating properly, resulting in losses, the fund has been falling for a long time, and its performance has been poor, then you can clear your position and reconsider other funds.

If the market is falling, and most of the funds are falling, then it is also the same loss to clear and buy other funds at this time, so if you still have the ability to take risks and are optimistic about the funds, you can continue to hold them and see what happens later, and then react.

If the fund's continuous plunge affects your life, then don't increase your position and increase your risk at this time. You should gradually reduce your position and redeem it, reduce your losses, or redeem it immediately. When buying a fund, it depends on whether the fund has great influence on yourself. If it's a big situation, stop loss.

When the fund falls sharply, it is necessary to set a stop loss point. At this point, the fund must be redeemed in time. Don't force it. If you can't bear it, the loss will be even greater.

How to adjust the mentality of fund collapse?

Some friends followed suit to buy funds, and then the funds plummeted, and everyone was confused. Then why does the same fund make money for others and lose money for itself?

In fact, the point that the fund buys is different. Let's give a simple example: suppose that investor A bought a fund at a low level, sold it at a high level and made money, and showed the proceeds to investor B. Investor B saw this good thing and bought it immediately, but the buying point was at a high level, so it began to lose money after buying and continued to lose money after redemption.

Therefore, when buying a fund, don't buy it blindly. You should read more books about funds, have a general understanding of funds, and then start buying. Secondly, after the fund plummets, you can't bear the risk. You should redeem it in time. Don't hang on and watch the money run away bit by bit.

Secondly, when you buy a fund, you should allocate it reasonably. Don't spend all your money on stock funds. Equity funds are very risky. All investments of equity funds focus on risks, and some other fund types can be configured. For example, the ratio of equity funds to bond funds is 3:7, so that when the fund falls sharply, you will not lose too much and you can face it calmly.

How to choose a fund that suits you?

First of all, we should know the types of funds, which are generally divided into money funds, bond funds, mixed funds, stock funds, index funds, QDII funds and so on. Different funds represent different risks and returns, among which the money fund has the least risk and mainly invests in the money market, so the risk is relatively small and the return is relatively stable, which is more suitable for conservative investors.

Secondly, funds such as hybrid funds, equity funds, index funds and QDII funds are more risky and more suitable for radical investors. However, we should pay attention to the high risk and easy to lose money, so we must be cautious when buying.

After you choose a good fund type according to your own situation, you should also choose a fund. The fund manager of each fund will be different, and investment funds are managed by fund managers. Therefore, it is very important to choose a good fund manager. Can analyze the fund manager's past performance and experience, background information, employment returns, etc.