Generally speaking, there are many reasons for fund losses, but the most important one is fund redemption. We usually think that as long as the fund is not redeemed, the loss on the book of the fund is just a floating figure, which we call floating loss. Floating losses are not real losses, because the floating losses of funds are mainly caused by changes in the net value of funds. As long as it is not redeemed, the net value of the fund has been fluctuating and may turn losses into profits.
You've been losing money to buy funds? The logical relationship among fund share, net value and fluctuation is as follows.
For example:
The net value of a fund is 1. If you buy 1 10,000, then your fund share is 1 10,000. The specific calculation is as follows:
1 ten thousand yuan/net value 1 = 1 ten thousand copies.
When you hold the fund for a few days, the total amount of the fund increases by 10%, and the net value of the fund becomes 1. 1, so the total amount of the fund you hold now becomes 1. 1 ten thousand yuan. The specific calculation is as follows:
1 0,000 copies * net value1.1=1.10,000 yuan.
As can be seen from the above two expressions, no matter whether the fund rises or falls, it is the net value of the fund that changes. As long as you don't redeem it, the fund share you hold will not change.
Second, the logical relationship between fund ups and downs.
The essence of the fund is a basket of stocks, so the trend of the fund is roughly the same as that of stocks, and it fluctuates every trading day. When the stock market is bad, the foundation has floating losses. When we can't afford the floating loss of the fund, we will redeem the stop loss. When our fund stops profit and realizes cash, the floating loss becomes a real loss. In order to facilitate understanding, let's give a more vivid example:
We compare the fund to the property market, and the house price is like the net value of the fund. For example, the house price 1 1,000 yuan per square meter, and you spent 1 1,000 yuan to buy a house with 1 1,000 square meters. House prices fluctuate frequently. It may become 9000 yuan/square meter for a while and 8000 yuan/square meter for a while. The total price of your house has changed from 6,543,800+0,000 when you just bought it to 900,000 and then to 800,000. But no matter how much the house price becomes, your house is still 100 square meter. As long as you don't sell, the change in your house price is only a change in numbers. Once you sell it at 9000 or 8000 yuan per square meter, then you only get 900,000 or 800,000 yuan, then you are really losing money. So that everyone can better understand?
You've been losing money to buy funds? The logical relationship among fund share, net value and fluctuation is as follows.
Third, the logic of fund losing money and making money.
Through the above simple explanations and examples, I think everyone understands the reasons for the fund's loss. To put it bluntly, I lost money buying the fund because I sold it when the fund was floating. Others make money from the fund because they don't sell it when the fund loses money, but sell it when the fund makes money. This is why other people's fund management can always make money, but you have been losing money.
Combined with this A-share adjustment, let's review it. After a wave of continuous adjustments, many fund investors failed to resist and stopped their losses, resulting in floating losses becoming real losses. When the decline rebounded or the trend improved, because the share was in hand, fund holders returned blood in succession until they turned losses into profits. And you don't have a fund share in your hand, and the market rise has nothing to do with you. You can only stare at others and slowly recover lost ground.