Is the principal deducted when the fund falls?
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If the fund purchased by investors falls, the loss will be deducted from the principal.
For example:
Suppose an investor buys 1 000 shares of a fund when its net value is 1 yuan, and its principal is 1 000 yuan. After the subscription, the fund declines and the net value becomes 0.9 yuan, so the investor's principal becomes: 1, 000× 0.9 = 900 yuan.
However, after the loss occurs, the investor's principal will not be deducted in full. When the net value of the fund falls to a certain extent, the fund company will carry out liquidation, calculate the market value of the investor's fund according to the net value at the time of liquidation, and then return it to the investor.
How to save the fund from falling
1. Complement.
By increasing the holding share, we can share the holding cost and reduce its profit point, and the follow-up fund can also get corresponding income if it rises a little.
2, high throw and low suction
The fund decline is definitely not a straight line decline, but generally a fluctuating decline. Investors can use the small rebound during the period to sell high and suck low to earn the difference. However, investors need to pay attention to the changes in fund trends and fees.
Step 3 keep observing
If investors are worried that operational mistakes will bring greater losses, they can observe first, and then wait until the fund rises later, exceeding the price at the time of purchase, and then sell it for profit.
Step 4 sell immediately
If investors are worried that the follow-up funds will continue to fall and bring greater losses, then they can sell the funds and get out immediately. It is also a way to stop loss in time.
5. Fund conversion
Convert the fund into a better fund, and make up for the loss caused by the decline of the previous fund through the increase of the fund after the conversion.