It is normal for novice funds to invest in fixed investment losses.

General funds mainly invest in large-cap blue-chip stocks, and when calculating the Shanghai Composite Index, large-cap blue-chip stocks also account for a great weight, so the decline and rise of funds are generally related to the decline and rise of the Shanghai Composite Index. Today, Bian Xiao will share with you that it is normal for the fund to make a fixed investment loss, for your reference only!

It is normal for the fund to invest in fixed investment losses.

Fixed investment is a long-term investment plan. In this process, you may encounter a long-term bear market, and your account will be in a state of loss for a long time, which really tests the mentality of investors.

When there is a loss in the fixed investment, the first thing we have to do is to look at the fund in our hands and see if its fundamentals are "excellent". If it is judged that the quality is poor, such as long-term underperforming benchmark or similar products, then we suggest stopping the loss in time, at least holding it carefully. And if it is a trust fund with good historical performance, we think we should stick to the set fixed investment plan.

For example, suppose that during the six years from 20 15 to 202 1, the Shanghai and Shenzhen 300 Index is fixed every month (fixed payment at the beginning of each month). According to the calculation, we can draw the exponential fluctuation curve and fixed investment fluctuation curve as shown below. As can be seen from the figure, during this period, the Shanghai and Shenzhen 300 Index rose by 7.87%, while the fixed investment rose by 36.79%, which is a good income level. But the process is actually very tiring: in the process of implementing the fixed investment plan, the fixed investment account is in a loss state for 43% of the time (the loss area of fixed investment is in the box below), and the maximum loss range is 33%.

In fact, as long as you survive 43% of the loss time, the final return is still considerable. Go out early and come back late, and you will miss the final profit.

Some suggestions on fund investment

1. Don't chase up and kill down.

It is unsustainable to run a marathon with the mentality and way of sprinting 100 meters, and so is fund investment. Redemption when falling, such a short-term operation idea is easy to take losses and increase transaction costs, which is not worth the loss.

It is clear that the overall performance of the fund is excellent, but many people have not made any money-this "curse" has always existed, largely because investors are too concerned about short-term fluctuations, resulting in a short holding time, so they cannot enjoy the benefits brought by the long-term rise of the fund.

2. Invest with long-term funds

Fund investment is not a tool to get rich. Investors are advised to invest in equity with long-term funds and be friends of time. Investors are not advised to invest in equity with short-term funds and funds that cannot bear risks. If you want to buy a house within a year, the money is not suitable for high-risk investment. Don't hold the mentality that I will get rich and leave, otherwise it is likely that you will copy the bottom of the stock market and the stock market will copy your home. In particular, it is not recommended to borrow money to invest in equity funds.

3. Control positions and allocate them reasonably.

Generally speaking, the factors to be considered in controlling fund investment positions include market valuation, family income, future expenditure plan, personal psychological endurance and so on. There is no universal standard, which varies from person to person, so it is best not to affect work and life. If the fluctuation of your current account has caused you obvious anxiety, you can consider lightening your position until you feel comfortable. It is also a good choice to configure some low-risk "absolute income" products.

Every investor has his own preferences, such as semiconductors, medicine, banks and so on. Public Offering of Fund industries also provide you with a wealth of industry-specific investment tools, and many star fund managers are also famous for their expertise in specific industries. However, one of the advantages of fund investment is to improve the return-risk ratio of portfolio through diversified layout and decentralized investment, including diversification of industries and stocks. For investors with insufficient investment experience, it is suggested not only to choose hot topics or star fund managers, but also to consider reasonable diversification of investment on the basis of fully understanding the characteristics of funds and the ability of fund managers, or to choose broad-based index funds like BOC CSI 100. Generally speaking, investors had better choose 3 to 5 funds with different themes and different management styles. Too much money is difficult to manage, and too little money has no decentralized effect.

4. The advantages of fixed investment in the shock city are prominent.

One-time investment requires high timing, but the fixed investment of the fund is different. It entered the market in batches, with limited investment each time. Even if the market fluctuates downward in the initial stage of fixed investment, the cost can be gradually diluted and the investment risk can be dispersed in the follow-up investment. Fixed investment can be "scared" when the net worth is high, and the buying share is small; When the net worth is low, you are greedy and buy more stocks. When the market is at a loss, it is best to adopt the investment rhythm of "small steps into the market" to avoid the interference of subjective judgment, and the effect may be better.

Characteristics of trust funds

1, collective investment

2. Expert management and operation

3. Securities investment and risk diversification

4. Separation of asset management and asset custody.

5. Enjoy the benefits and take risks.

6, for the purpose of pure investment.

7. Strong liquidity

The loss of fixed investment in fund investment is normal;

★ Common mistakes in investment that have to be seen

★ Investment Guide for Fund Market

★ Should the fund continue to add positions or cut meat and leave?