Judging from the characteristics of open-end fund products, investing in open-end funds should have a long-term investment concept. A large number of statistical studies at home and abroad show that long-term investment in the stock market is the best way to preserve and increase assets. Because the short-term fluctuation of the market is difficult to grasp, the related expenses of open-end funds are relatively high. You may not get a good return on investment, so it is better to invest in open-end funds for a long time. Frequent short-term entry and exit does not apply to fund investment, but it will lose the handling fee in vain. Therefore, investors should make long-term investment plans in advance: invest with idle money and try not to invest in debt, so as not to be burdened by interest. Long-term investment will inevitably consolidate or fall, and the mood of idle money investment will be relatively calm and will not suffer short-term lock-in; Thoroughly understand the characteristics of investment funds, so as not to choose a fund variety that is not suitable for you; Diversified investment, buy in batches, avoid putting all eggs in the same basket, and ignore the importance of diversifying risks.
Whether investors decide to redeem, in addition to the above factors, they should mainly consider their own financial planning, and consider whether to buy, continue to hold or redeem fund shares according to their own financial arrangements. First of all, investors need to consider their financial situation, such as current income, expenditure, savings and additional sources of income. If your financial situation is relatively well-off and you can take higher risks, then you should adopt a more aggressive investment policy. On the contrary, you should adopt a more cautious investment policy. If the investment period of funds is long, they can bear the risk of short-term losses relatively and expect to obtain long-term higher returns. On the contrary, we should make more steady investments.
Once the fund's net value falls, investors should also choose the redemption opportunity according to the specific situation. There are many situations in which the net value of the fund falls, which may be temporary or long-term. The reason may be the deterioration of the market, or the decline of the management level of fund companies. Therefore, when the net value of the fund falls, investors need to judge carefully whether the decline of the net value of the fund is due to the long-term changes in the market situation or the major changes in the fund management company. If it is the latter, and there is no sign of improvement in the short term, investors should consider selling the fund. If the market situation changes, you should not make an investment decision rashly. Because market changes are unpredictable, the decline may be long-term or short-term. If the price of a fund falls, it will be sold in a hurry, regardless of the future rising opportunities of the fund, which will turn the short-term market situation into a permanent loss. Related hot words: duration of buying and selling funds