Five Don’ts of Fund Financial Management in 2021_What to do if a buying fund keeps falling Fund investment is an indirect securities investment method, and it is also a financial management method that is relatively easy for the public to operate. Generally speaking, funds will outperform inflation.

For novice friends, fund investment is the easiest investment and financial management method to get started with, and it is also the most suitable investment and financial management method for novice friends.

But there are also things you shouldn’t do in fund financial management. The following is what the editor has collected for you about the five things you shouldn’t do in fund financial management in 2021_What to do if the buying fund keeps falling.

Hope this helps everyone.

Five Don’ts of Fund Financial Management: 1. Don’t buy fund products recommended by Alipay.

The products recommended by Alipay are all suspected of paying advertising fees, and the products that are louder may not necessarily be good.

2. Just start casually without looking at the buying and selling rules.

Some funds can only be redeemed after maturity. If you need cash urgently, it will be miserable. Moreover, different funds have different handling fees. I hope everyone will not use all the money they earn to pay handling fees.

3. Buy multiple "same" funds.

Maybe except for the different names, the stocks bought by the fund companies are all the same.

For example, fund A has a heavy position in stock B, and fund C also has a heavy position in stock B. When stock B plummets, both fund A and fund B will be slapped on the beach.

When we buy funds, we buy stocks of multiple companies, all of the same type, which cannot diversify our risks.

So when buying, you still have to look at the fund company’s positions.

4. Use your spare money to buy funds.

The consequence of this is that you will not lose any money, but at the same time you will not make any money.

For example, if you buy 10 different funds each with 1,000 yuan, and the base of 100 yuan is very low, you will only make a dozen yuan in the end, and if you lose, you may lose half of it.

5. Use “untouchable” money to buy funds.

There is an ironclad rule in financial management: the greater the risk, the more likely it is to make money and the more likely it is to lose money.

So don’t use your life-saving money to buy funds. Imagine that if you lose half or even all of the money, it will not affect your quality of life and you can take it out.

What to do if the fund you buy keeps falling? 1. The fund keeps falling. You must first understand the real reason for the fund's decline.

Most of the time, the decline may be due to the impact of short-term market conditions, because stock-oriented funds mainly participate in the stock market, and it is very normal for stocks to rise and fall.

The short-term decline of the fund is not terrible. What is terrible is that investors failed to hold on firmly and gave up midway.

If the reason for the fund's decline is not very serious, then just continue to hold it.

In particular, investors often see continuous declines as soon as they buy a fund, so it is incorrect to think about whether to sell it.

If you don’t even believe in the fund you choose, then changing funds frequently may not necessarily make you profitable.

2 Sometimes the strength of a fund's continuous decline can be clearly seen. For example, when it turns from bull to bear, there will be continuous declines with a very large amplitude.

If you persist foolishly, you will only throw back the profits accumulated in the bull market.

Therefore, at this time, you can redeem the fund in batches or directly. The decline of the fund does not mean a certain loss. It may just be a decrease in profits. It is important to redeem part of the fund to lock in profits.

3. When there is a sharp decline, but you are very optimistic about the future market, you can remedy the situation by adding positions.

First of all, you should look at your own position. If the position is not high and you have enough funds, you can cover the position multiple times during the decline.

For inexperienced investors, fixed investment can be used to cover positions, which can effectively reduce investment costs and turn losses into profits faster.

What are the differences between fixed investment in a bank and fixed investment in a fund? 1. The income is different. If you deposit in a bank, and as you said, the monthly interest is 2,000 yuan, then the monthly interest is pitifully small. But if it is a fixed investment, the income is most likely to be higher than that in a bank.

high.

2. The time is different. Depositing in a bank allows you to withdraw money at will, while investment funds usually last for three to five years. If you need to withdraw money in advance, you will need to pay a large handling fee.

3 The nature is different. You don’t need to take care of things when you deposit in a bank, but investing in funds requires financial management knowledge, and you also need to pay attention to your own fund business.

4 The risks are different. There is definitely no risk when depositing money in a bank, but there is definitely a risk in fund management.

As a young person, if you want to outperform inflation, it is necessary to take certain risks and obtain excess returns. You can according to your actual situation, for example, save half of your spare money in the bank in case of emergencies, and invest half in funds to obtain excess returns.

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