What if the fund buys at a high point?
1. Decisively cut meat
This is the best policy. I believe many friends have done this. Why? I want to stop loss in time because I am afraid of continuing to fall. Running fast does reduce the loss, but running slowly may be cutting at the lowest point. In the face of a fund, we should weigh it from its fund scale, the transaction characteristics of fund managers, past performance, maximum recovery rate and so on. Comprehensive diagnosis, if the fund diagnosis is ok, it is only a decline caused by market fundamentals, then this method is not recommended.
2. Fund conversion
If you are not optimistic about the selected fund and think that the short-term redemption fee is a bit expensive, then the fund conversion may meet your appetite. Compared with traditional redemption and repurchase, fund conversion can shorten the subscription time, and optimistic funds can get on the bus as soon as possible, which can also save some repurchase expenses. It is a good way to consider for friends who like studying or temporarily lack liquidity.
3. Wait until it comes back.
With constant changes, this friend who is suitable for one-time heavy positions is reluctant to cut the meat, and there is no money to cover the position, and the money is not urgent. Then lie down and wait patiently for the market to pick up. Suppose the net value of a fund is 2.00 yuan when you buy it, and you buy 10000 yuan and 5000 copies (excluding the handling fee). After buying, the net value fell to 1.00 yuan, which means that the net value of the fund fell by 50%. Then, the market came, rising from 1.00 yuan to 2.00 yuan (back to the original position). At this time, 100% is needed to rise back. Therefore, it is a good thing that funds bought at high points can wait.
4. Fixed investment and jiacang
I believe everyone is familiar with fixed investment, which saves time and effort and is called the most suitable investment method for lazy people. For optimistic funds, you can set monthly fixed investment, weekly fixed investment and daily fixed investment. Regardless of time, as long as you have bullets in your hand, you can always throw them. During this period, positive and negative are intertwined, and the market continues to fluctuate. Optimistic about the long-term market, but afraid to buy at short-term highs, so there will be more small partners. It is worth noting that it is recommended that the fixed investment should not stop loss, but it must take profit. When the fund returns to its original capital and reaches a certain income, it can rest assured that it will be safe. With the ups and downs of the market, get out of your own smile curve. Masukura is similar to fixed investment, but it is more flexible in time and flexibility, depending on your own judgment on the market, time and idle funds.
5. Portfolio
Even when the market is in a downturn, there are corresponding sectors with relatively good returns. Therefore, we should build our own investment portfolio, and when we are locked in a fund, we can make up for the lost income through the investment portfolio. When the total income is positive, it is more convenient for us to operate the quilt fund. We don't panic if there is surplus food at home. No matter which trick we use in front, we can handle it with ease.
It is not terrible to buy funds at a higher level. As long as investors take appropriate measures to deal with it, the fund can still recover its capital. However, investors should have a basic understanding of the fund before buying, such as the maximum withdrawal amount of the fund, so that even if the fund is bought very high, you can control your position and make a good response.
Finally, remind investors that the fund is risky and investment needs to be cautious.