Many citizens don't know when their funds should be sold. However, because the market always goes back and forth between bull and bear. Therefore, when it is found that the market as a whole is in a state of carnival, which means that it is not far from the bear market coming again, sell decisively.

For most citizens, they don't have time to sum up the past experiences and lessons seriously, and it's hard to find special time to study the history of Chinese and foreign securities investment and biographies of investment masters. Therefore, they have no outstanding advantages in investment philosophy, relevant professional knowledge, actual investment experience, market trend judgment skills and even psychological quality. If there is no special coping method, it is inevitable that the loss will outweigh the gain, or even repeated defeats and wars. As long as we establish a set of basic investment rules suitable for ordinary citizens according to our own situation and strictly abide by them in the process of basic investment, we can significantly improve the performance of basic investment without spending a lot of time and energy:

Rule number one:

Decisively sell when the market is in a carnival state. Many people don't know when to sell their funds. However, because the market always goes back and forth between bulls and bears, the bear market that follows the bull market may mercilessly erode your assets. And because it is as easy to distinguish between the two market states as it is to distinguish between summer and winter, your investment time should be the whole process from the early bull market to the late bull market or the early bear market. When it is found that the market as a whole is in a state of carnival, which means that it is not far from the bear market coming again, sell decisively.

Rule number two:

According to their own conditions, choose the right investment target in excellent funds. Some media reports or excellent funds recommended by experts are particularly easy to stimulate the investment desire of the people, but please be cautious. Although some funds have outstanding performance at a certain stage, they may not be suitable for you. For example, a theme fund jumped from the last 50 at the end of 20 10 to the top three in the first half of 2008, and fell to 149 a quarter later. The reason why the fund is so ups and downs is mainly to hold some theme stocks that can only be sought after in stages. Because ordinary citizens can't know how long this hype will last, it is obviously inappropriate. Suitable for ordinary people, should be a fund with such characteristics: not necessarily outstanding in a bull market, but certainly outstanding in a bear market. If it is held for a long time, its assets can be multiplied several times. For example, at the beginning of the establishment of the fund, the Shanghai Composite Index was 1, 556.53 points. Two years later, when the Shanghai Composite Index fell below 1 0,000 points, the net value of the fund increased by more than 10%. 2008 was a bear market year, but the fund ranked in the top three of its kind; If you buy and hold the fund from the beginning, your assets have increased more than four times.

Rule number three:

Buy in batches when the whole market is in a state of panic. Basic people have their own reasons before performing an operation. For example, because a major news has just been released, the stock base held by them has been deeply locked up and should be replenished. Some experts have expressed some views on the market outlook, and people around them have already done so, even just because of some inner feelings. You know, the market never works according to the wishes of some people, so this is not the right reason to buy. The correct reason for buying should be that the market has undergone a long-term sharp adjustment, and many basic people have begun to feel pessimistic or even desperate, and the intrinsic value of most of the fund's heavy investment products has been underestimated.

Rule number four:

According to their own quality and the time available for investment activities, clearly define the variety range of investable funds. Equity funds can be divided into closed-end funds that can be traded in real time on the exchange and open-end funds that can only be purchased and redeemed outside the exchange. Because most ordinary citizens are office workers, it is usually difficult to ensure that they have enough time and energy to invest in activities, so it is best to stay away from closed-end funds such as ETFs that need to pay attention to trading every day. Open-end funds can also be divided into active stock funds and passive index funds. If you have a certain ability to judge market trends, have a decisive and resolute personality, and can still maintain rational thinking in the face of skyrocketing and plunging, you can take index funds and industry funds as your planned investment scope. If you don't have this quality, then only choose active funds managed by financial experts.