202 1, many people began to contact fund investment, but in less than a year, they changed from buying to giving up because they could not bear the loss. For such a fund that has been losing money, should we sell meat to relieve pain? Let's get to know each other.

The fund has been losing money. Do you want to sell it?

1 Investigate the market situation:

Fund is a fluctuating product, with ups and downs, and it is impossible to keep the upward trend all the time. If the fund has been losing money, there are many reasons, and different reasons correspond to different solutions.

If you look at the product market of its investment target, the overall market is not very good, then it may be affected by the overall market situation. For example, stock funds are common types of funds, mainly investing in stocks. When the stock market plummets, the fund will also respond accordingly. If it is a broad-based index, you can focus on the rise and fall of the stock market index. Such funds are affected by market conditions and lose money. We usually need to stretch the front line and wait for the arrival of the bull market.

2 Investigate investment and research capabilities:

First of all, we should know that the method and logic of fund investment are actually different from those of stocks. Many people will habitually use the thinking of investing in stocks to buy funds, which is actually very different.

There are two kinds of investment logic in stocks. From the perspective of long-term investment, stocks are equivalent to investing in a listed company, while short-term investment mainly depends on the flow of funds. But the fund pays more attention to long-term investment, which is actually the ability of the fund manager and the investment and research team behind it.

Therefore, if a fund is lower than the average level of the same kind for a long time, it is often the lack of ability of the manager, so you can consider replacing it. However, it should also be noted that the ability and investment style of fund managers are not completely in line with the market style, so the performance of fund managers may not be as good as Changhong's, but the long-term performance of excellent fund managers is definitely very good. We can focus on the comparison with the average level of the same kind and the fluctuation of historical performance, such as the maximum retracement and other indicators.

Therefore, considering from this aspect, if the management team has the ability, the style is in line with the market, the investment concept is consistent with itself, the overall historical performance is relatively good, and it is also in an advantage compared with the average level of the same kind, so it can wait and see for a while, and there is no need to rush to sell.