Strictly speaking, this is an ancient truth. Almost all investors know that they should enter the market when the market falls, but few people really have the confidence to do so. Do we know which ones? The following is the fund bargain-hunting skills compiled by Bian Xiao _ The fund bargain-hunting skills are for reference only, and I hope to help you.

What is the skill of adding stocks?

Sun, deputy director of Zhaofeng International Commercial Bank, who started selling overseas funds more than 20 years ago, said with regret that in such a long time, it was really rare to see ordinary investors buy more regularly when the market fell. It is a good way to improve the return rate of fixed investment. This is not a pity. If investors can learn to use it, the investment efficiency will definitely improve.

In practice, it can be divided into two steps:

Step 1 Consider three things first.

1. Whether the prospect of the investment target is good.

2. Whether the stock market decline has gradually stopped.

3. Whether the market atmosphere is quite pessimistic.

If the prospects of investment targets are guaranteed, the stock market will gradually stabilize, and the market atmosphere will no longer be pessimistic, that is, it is time to increase positions on dips.

Step 2: Determine the way and quantity of overweight.

Sun said that investors can increase the amount of deduction by 1 time, or change the number of deductions from 1 time to three times a month, depending on their personal financial situation.

The second measure is to lock in satellite funds by setting profit points.

Luo pointed out that if investors choose a single country or a single industry as a satellite fund, they must set up a take profit point and quit once they make a profit. In this way, the investment results can be better guaranteed. It is best to have a deep understanding of the country's economic fundamentals, keep abreast of the latest market trends, and improve the chances of winning profits. Otherwise, the result of long-term fixed investment may be "deeper and deeper".

Take the Nikkei 225 index as an example. From 2000 to the end of the year, the result of continuous monthly fixed investment, although the average annual rate of return is close to 3%, is still positive, but this rate of return is barely comparable to the inflation figure, which is not very helpful for accumulating wealth. Therefore, satellite funds must set a profit stop point, which varies from 15% to 30% according to different investment funds.

The third measure is to rely on asset allocation to stabilize investment performance.

Luo, deputy general manager of Franklin Investment Research Department, pointed out that when people decide to invest in a fund, they think that they can disperse the entry time and reduce the average cost of the fund unit. Therefore, the greater the fund fluctuation, the better, so as to broaden the profit space when the fund rises in the future, but in fact it is not the case.

Luo found that the funds that are easy to be locked are mostly single-country or single-industry funds with large fluctuations. Because industries have boom cycles, some industries will be eliminated by the trend. However, a country is prone to political and economic crises. For example, after the 1997 Asian financial turmoil, many single-country funds performed very poorly for several years in a row. For example, funds in Malaysia were liquidated because of their small scale.

Wei Jianglin, deputy general manager of Bank of Taiwan, made three suggestions for investors' reference:

1. Understand the investment attributes: the risks and characteristics of each fund are very different, and investors should choose according to the investment attributes.

2. Set investment goals: Choose different funds according to different financial needs.

3. Consider risk tolerance: under 30 years old, with high risk tolerance, you can choose an active portfolio; With the growth of age, more stable combinations can be adjusted; When you reach retirement age, it is suitable to make a conservative investment portfolio.

Skills of fund bargain-hunting and jiacang

First, put an end to adding positions in a loss state.

The previous position must be profitable. If the previous positions are constantly losing money, then it is not recommended that you continue to add positions. If you buy blindly regardless of the previous profitability, the risks you have to bear will also increase.

Second, each additional position cannot be greater than the previous one.

Every time you add a position, it should be less than or equal to the value of the previous adding position or opening position, especially the position of the first opening position should be greater than the value of the next adding position. This also reminds everyone that if you think this fund is likely to make money later, you can add more when you buy it for the first time.

Third, the pyramid stacking model is not recommended against the trend.

Take long or short positions as an example. When investing, it is necessary to comprehensively consider the downward trend. You shouldn't think about pyramid positions too early until the downward trend is over. In this case, you face the risk of falling as soon as you increase your position, and your own money will be deeply stuck.

Skills of adding positions on dips in fixed investment of funds.

1. The purchase time is different.

Some people enter the fund from a relatively high point. For example, someone started a fixed investment in the fund at 3300. Someone started a fixed investment from 2700. Because of the different buying timing, if the market falls to 3200, then the former may start to participate in the fixed investment, and the latter may still make money.

2. One party adds positions, or buys different shares according to market conditions.

Before we invest in the fund, we must first think about the amount of investment and adjust the share of each purchase according to the market situation. For example, when the market enthusiasm is high, or when the fund valuation is high, you can buy 0.5 or 0.2, but when the market sentiment is not high, or when the fund valuation is low, you can buy more, such as 1.2, 1.5.

This is a little higher than "fool's fixed investment".

3. One party knows how to redeem some profits.

The fixed investment of the fund does not mean that it has been bought for several years and does not sell the fund. In this way, when encountering retreat, it is difficult to maintain profitability, and you may just get on the bus once.