When a fund loses money, there are usually three kinds of reactions: stop loss, no matter what, increase the position.
At this time, we must first calm down and analyze under what circumstances the fund fell. After all, the market itself is volatile. If you sell it in a falling position, it must be a loss, and maybe it will rise again the next day.
In short, as long as it has not been sold, there is hope to earn it back. At this time, the risk can be shared through the fixed investment of the fund.
For example, if you insist on investing in 500 yuan every month, suppose you buy 500 shares in the first month, then the average net value per share is 1 yuan.
In the second month, the net value fell to RMB. Although your total assets are only 400 yuan, you can buy 625 shares with 500 yuan.
If the fund rises back to 1 yuan in the third month, the total assets will become 1 125 yuan, and the profit will be 125 yuan.
And your cost per share becomes RMB, as long as the net value of the fund is not less than RMB in the third month, you will not lose money.
The most important thing is that if we keep making a fixed investment according to this idea, the share cost will be lower and lower in the future, so it will take a long time for the fund to make a fixed investment, and three to five years is not too long.
Of course, if you look upset, you can also use Alipay and other APP fixed investment services, which are automatically completed by the system for you.
It's just that it's hard for many people to do this. They are always thinking about how much money they have lost, and they want to buy it when they see it rising, so they can't make money if they go on tossing.
So if you don't have in-depth research in the fund, it is better to try to share the holding cost with the fund.