I believe many citizens have this experience: I bought this fund under the recommendation of the financial manager, and I trusted him. As a result, I still lost a lot of weight after more than a year, and I don't want to buy any products recommended by him anymore. It feels like a lie! So today, Bian Xiao is here to sort out the relevant knowledge of the fund for everyone. Let's have a look!

How to deal with the loss of the fund after buying it for a long time?

First of all, we should analyze some reasons, and then take corresponding strategies according to the reasons:

In fact, if the fixed investment fund has been losing money, the first thing we have to do at this time is to analyze the reasons for the fund's loss. We can simply divide the reasons for fund losses into external reasons and internal reasons:

1. External cause: poor market environment.

If you know more about funds, you will find that funds sometimes rise and sometimes fall. In fact, this is caused by different market environments. For example, the overall stock market of 20 18 is not good. In 20 18, most funds fell, and in 20 19, the market changed, and the net value of most funds showed an upward trend.

2. Internal cause: poor quality of funds.

When buying funds, we will find that many people buy some funds, mainly for two reasons: one is the advertising effect of fund companies and sales platforms, and the other is the excellent quality performance of funds themselves, which has been recognized by most investors; There are also some funds that are bought by fewer people or even nobody cares. A big reason is that the quality of the fund is not good, and investors are afraid to buy it.

So how to deal with it?

1, check your own funds first. If it is an index fund with low valuation or reasonable valuation, there is no problem and it will continue to insist on fixed investment. If there are idle funds, you can make up the position appropriately. But we must control the rhythm and make up the position when the decline is large.

2. If it is an active fund, you can compare the performance of similar funds to see whether the performance is obviously backward and whether it is not in line with the reasons for buying at the beginning. If the performance is indeed unstable, you can adjust your position while falling and switch to a fund with more resilience and stable performance. Of course, if it is difficult to adjust the position, you can also change it when the fund rebounds.

3. Funds with poor performance cannot be ignored. If the net value of the fund continues to decline, it must be redeemed or converted as soon as possible. Stop loss and make profit.

Why do you always earn less and lose more when buying funds?

In the stock market, we often miss bull stocks, that is, sell them. The same is true of funds. In the face of some industries with high prosperity, strong explosive power and excellent prospects, we are often more scared and afraid of a sudden decline after seeing certain benefits. So we want to make a profit in time, but we ignore one thing, that is, we have not seen the current market of the fund itself. If you do bands on the brokerage or banking sector because of some small increase, it is generally no problem, because they have a certain periodicity, and such sectors are not so durable.

However, in the face of high prosperity and strong explosive power, it is risky to do small bands, such as liquor, new energy vehicles, photovoltaics, medical care, semiconductors and so on. Generally, it is a big band rather than too local. Because every time you throw it, you risk getting it wrong.

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