Recently, the market has been ups and downs, and many people vomit and buy funds without making money at all. So, how to avoid losses, what should I do if I have lost money? Bian Xiao here sorted out why he bought the foundation at a loss, for your reference. I hope everyone will gain something in the reading process!

Why do you lose money when buying a fund?

1, crazy hot pursuit

Chasing hot industry funds and star funds, whoever sells them will buy them and know nothing about decentralized allocation. Liquor fire buys all liquor, and chip fire buys all chips. After the fire, there is only one cool song left.

Nowadays, many people follow suit to buy funds, but popular funds can't guarantee all investors to make money. Many people like to buy when the fund goes up well. In fact, the better the fund rises, the more likely it is to hit the top and then fall. Investors have no choice but to sell if they fall below the purchase price. Can you not lose money in this way?

The correct investment psychology should be: others are afraid of my greed, others are greedy and I am afraid. Just like when you go to the vegetable market, you should consider whether it is worth the price if you buy it cheaply.

We should overcome the psychology and behavior that are not conducive to correct investment in every fluctuation, which investors should do themselves.

2. Improper asset allocation

There is no reasonable distribution among equity, bonds and alternative assets. What you want is not what you bought, but that you bought a warehouse of stocks with low risk tolerance, but you want high returns but have various debt bases.

3, do not understand the method, intraday trading.

It will only chase up and kill down, and add positions when the market is hot. When the market falls, it is impossible to spread low costs by insisting on fixed investment or low positions. Instead, I will stop loss with one heart and can only "hold the wall" and leave abruptly.

In fact, the fund itself advocates long-term investment, and frequent operation is not conducive to fund investment. This unreasonable operation will only bring high formalities.

Moreover, people in day trading are generally followers of the public and do not have their own investment views. Why buy it? When will it be sold? Actually, I didn't think it through myself.

4. Short holding time

If you want to settle down and buy and sell frequently in the short term, not only the income is not obvious, but also a lot of handling fees will be generated, which will help the fund to make money, but you can only watch the money you get fly. At present, most of the friends who have lost money in the fund have actually held it for less than six months, so I suggest being patient.

Don't take your daily income too seriously. In fact, as long as you buy and hold it within a reasonable range, you don't have to care too much. This is also to relax yourself, on the contrary, it is torture.

If you are used to optimistic about the market several times a day, it is easy to form the habit of chasing up and killing down, and then it has been a vicious circle. It's bad for the body and the heart.

You know, you will never make more money than you know. Don't always have a hard time with yourself, honestly admit your ignorance, and do something "right" for the little money in your hand in the stupidest and safest way.

How to avoid fund losses

1, buy funds with spare money instead of buying funds with the idea of making a fortune and leaving.

Fund investment is a high-risk investment. After buying it, you may make money or lose money in a short time. Therefore, it is necessary to invest the idle money that has been useless for 3-5 years. Instead of making quick money and thinking about the bull market, the result is likely to be the end of losing money.

The idea of using the bull market as a tool to make quick money is actually quite scary. If the bull market continues, you may be lucky to make a profit, but if the stock market adjusts sharply, you may start to lose money at a high point, which is also the main reason why many investors lose money in the bull market.

Therefore, for the high-risk investment of stock funds, you need to invest your spare money, so that you can face it calmly, whether it is up or down. You can make money if you go up. If it falls, you can continue to invest and wait patiently for the future rise to make money.

2. Choose a fund that suits you.

There are no bad funds, only those that are not suitable for you. When investors choose fund products, they first need to evaluate their risk preference and tolerance, and choose the type of fund products. Secondly, it is necessary to build a portfolio that matches low-risk and high-risk fund products.

Novice investors suggest choosing a more stable fund to invest, not only depending on the income, but also on the withdrawal rate, and choosing a fund with a smaller withdrawal rate. Because no matter how good the fund is, no matter how high the historical income is, it is no use if you can't hold it.

Don't buy when the market is high, but when the market is low.

For a fund, there is little or no probability of making money by buying at a high level. Only by buying low can you make money.

But many people don't know the time to enter the stadium, and they all run when the position is high, thinking that this can bring some benefits to themselves. I never thought it would be a long way to wait for it to come back.

When we buy funds, we try to buy less at a high level. Even if you want to buy it, you can buy it in batches or you can buy it on a fixed investment.

What if you have already lost money?

1, insist on fixed investment

The reason why the fund is quilt cover is because the net value of the fund now is much lower than the cost when it was first bought.

Therefore, the possibility of unpacking can be increased by reducing the purchase cost. It is a good idea to add a position by fixed investment.

Fixed investment does not need to over-predict the market, the risk is smoothed by time, and the mental stress is small. A shares are characterized by large market fluctuations. For ordinary investors, we can't accurately predict the market trend, and we always have no endurance to insist on long-term investment. In this case, the fixed investment of the fund has become an investment weapon to help us overcome the market by virtue of its characteristics of batch admission and automatic leveling of investment costs.

Peter Lynch, a famous investment guru, once said that if you carry out a fixed investment plan on a regular basis and stick to it no matter how the stock market goes up or down, you will get very rich returns.

Step 2 extend the time

What investment fears most is "greed". How many people stumble in the stock market because they are too greedy. If it rises well in the short term, chase it, but if it falls, it can't help but sell it.

In fact, the profit probability of a single fund holding 1-3 years is above 76%, while the profit probability of holding for less than 3 months is only 46%; The longer the holding time, the higher the probability of obtaining high returns. Therefore, if ordinary people want to be long-term investors, they need to set limits on their "into the pit" and control the hands of daily trading.

However, not all funds have good long-term investment returns. If the fund itself is not ideal, it is necessary for us to convert it into another fund with better performance. Or if you have enough investment experience and professional knowledge, you can even transfer your funds to other targets with better returns that you are more sure of.

3. Combination configuration

A good portfolio can reduce risks and increase investment opportunities.

If one of your funds is trapped, you can buy one or two more funds of different types or markets to spread the risk and increase the possibility of unwinding from the overall income.

In short, the fund "green" is not terrible. Maintain a rational analysis of the market and carefully diagnose the fund products held. Replace the poor fund with a relatively good one, at least when the market picks up, the good fund has a greater chance to recover its losses faster. If the fund you hold is not bad, you can make up the position in batches at the right time, reduce the investment cost and realize the solution as soon as possible.

Why do you lose money when buying a fund?

★202 1 Why did the fund fall?

★ Understand the basic knowledge of the fund.

★ Investment Guide for Fund Market

★ Four common ways to buy funds

★ The fluctuation rhythm of the stock market in each month of the year