Analysis of how to use fixed investment to solve the problem of fund net value withdrawal

Although most people know that one-time buying requires stop loss: once the downward trend is formed, we must leave the market quickly, but in the actual operation process, it is sometimes difficult to judge the withdrawal signal in time, and the solution is far away. What should we do at this time? Today, Xiaobian will share with you how to use the fixed investment to solve the problem, for your reference only!

the investor's reaction

the first one is to bravely admit the investment failure and resolutely redeem it all. This brave man's courage to break his wrist is admirable, but it also completely cuts off the possibility of understanding the set and returning to the original, which is usually not recommended.

The second method should be more common, that is, "ostrich mentality": pretend that you don't know that the loss-making fund you bought has lost money, and leave it alone until it is untied. There is certainly hope for this, but it will take a long time to wait. Just like you bought a fund in the bull market in 27, you need to wait until the big bull market in 215 before you can untie it, and the premise is that the fund you bought is not bad.

the third way is called "the loss of the wall east _ the compensation of the west": I feel that the risk of partial stock funds is too high to trap me, so I will buy all the partial stock funds into pure debt funds or capital preservation funds, which may be untied as time goes by. If, for example, you buy a fund at a high point in 27, it will probably take two rounds of bond bull market, such as the end of 212 and the first half of 213.

the fourth way is to use the fixed investment of the fund to solve the problem, that is, to continuously increase investment through fixed investment after quilt cover, because the biggest function of fixed investment is to spread the average investment, and then make fixed investment subscription after quilt cover, so the net value of each subscription is lower than the net value when you first purchased the fund. As a result, your average cost is constantly being lowered, so in the future, if the market rebounds, it will be easier for you to get rid of it earlier.

Take a chestnut as an example:

A stock bought 1 lots in 2 yuan and fell to 1 yuan halfway, losing 5%. If you buy another 1 lots in 1 yuan, the cost will be amortized to 15 yuan, and the loss will be 33.3%. However, if you don't increase your position in the low position, you can only return to your capital when the stock rises to 2 yuan. Of course, if the stock continues to fall, you can continue to add positions.

however, it should be noted here that if there are too few one-time positions, it will not play a role in spreading low costs, and if there are too many one-time positions, there will be certain risks.

Therefore, it is suggested to simplify the complicated matters and use the fixed investment to enter the market in batches. The most important thing is that the psychological pressure of investors will not be too great, and it is easier to implement it without looking at whether the market has fallen or not today.

how to solve the problem?

Method 1:

It is too difficult to predict the market, but we can still provide some rules of thumb. Generally speaking, when the index falls by 2%-3%, it is generally believed that there will not be too much room for further downside at this time, and the strategy of adding positions can be gradually started.

For example, Xiao A originally invested 1, yuan at one time, but now he has lost 3%. At this time, he will make up 1, yuan, and then he can be released only by increasing 17.6%. But this 1, yuan is recommended to be added in batches. For example, 8 yuan or 4 yuan will be voted every two weeks, and it will be divided into 12 or 24 batches. Because it is impossible to predict the market, the market may go up or continue to fall, or it may fluctuate. Partial replenishment can avoid subjectively predicting market trends.

Method 2:

When we find that we don't have enough funds to support the fixed investment unwinding of Method 1, and the first-stage decline has ended and started to rebound, we can do this:

1. There is a stop loss for the rebound: determine the stop loss range of the rebound (the rebound range can be 1%). When the index rebounds and reaches the previously set rebound range, we will immediately stop half of the position. If the market continues to rise after the stop loss, we will stop the loss.

2. The principal must be invested: it means that the stop-loss principal must continue to be invested, and the frequency and duration of investment can be selected according to the received principal;

3. Rebound such as retracement: it means that there will be retracement after the rebound of the index, and the retracement will rebound again at a low point. After the rebound, the operation will repeat the stop loss by half.

Take a chestnut as an example:

We use the method of "unwinding": since September 29, we have stopped the market by half for every 1% rebound, and repeated the stop-loss operation for 7 times. Even if the stop-loss is in the process of rebound sometimes, we have shared the timing risk through stop-loss in batches. Subsequently, since the first redemption operation, a fixed investment will be made for the received principal, with a fixed investment frequency of 1, yuan per month, and a total of 5 fixed investments can be made. Although the Shanghai Composite Index never reached 6, points, although it was once covered by 51.64%, after the unwinding operation, our cost has been reduced to 4,824 points, which was already unwound before the end of the bull market in 215.

fund unwinding

So since the fixed investment of the fund is so magical, should I immediately start to invest all my quilt funds?

In fact, not all quilt funds are suitable to use fixed investment to help solve the problem, which can be divided into the following three situations:

In the first case, the loss of your fund is less than or equal to 1%. Your fund is operating well, and the current loss rate is also small. So in this case, you don't do anything, continue to hold it, and wait for the market to rebound. Xiaosheng thinks it is ok.

In the second case, the loss of the fund you bought is relatively large, at least 2% or 3%, but your fund is operating well. When the market is in the down stage, it is probably the average decline of the market or even less. When the market is in the up stage, its increase is probably the average increase of the market or even the excess return, so you can make up the position by making a fixed investment and seek a shorter unwinding time.

in the third case, it is similar to the second case, but it is the opposite. That is to say, your fund's book loss is at least 2%, but the fund is "poorly operated". When the market falls, its decline exceeds the average market decline or even more, while when the market rises, its increase does not reach the average market increase. In this case, we should do fund conversion first and then make a fixed investment to cover the position. First, convert your quilt fund into the one that works well, and then vote for the one that works well.

finally, I'm sure some friends will ask, how should I judge whether the fund I hold is operating well? A simple and easy way is to superimpose your fund's net value trend chart and the market trend chart, and see whether its net value increase is more or less than that of the market in the rising stage, and then see whether its net value decrease is more or less than that of the market in the falling stage. So that you can make a general judgment.

Finally, I want to tell you that investment is a long-term process. If you encounter short-term setbacks, don't be discouraged and make good use of the weapon of fixed investment. Once the net value of the fund rebounds, the fixed investment will make a profit, and as the fund rises, the money earned by the final fixed investment will make up for the single loss, and finally turn the frustration on the investment road into the joy of victory!

Fund-related articles:

★ Introduction to the Fund

★ Buying a fund in 221 will not lose all your money

★ Basic knowledge and skills of fund investment

★ Basic knowledge of fund investment

★ Introduction to the fixed investment of index funds

★ Common knowledge of securities investment funds

★ Understanding the knowledge of securities investment funds.