First, check the position fund.

1, check your holding fund again. If it is an index fund with low valuation or reasonable valuation, there is no problem and it will continue to insist on fixed investment. If there are idle funds, you can make up the position appropriately. However, when the decline is large, it is necessary to control the rhythm and make up the position.

2. If it is an active fund, you can compare the performance of similar funds to see whether the performance is obviously backward and whether it is not in line with the reasons for buying at the beginning. If the performance is indeed unstable, you can adjust your position while falling and switch to a fund with more resilience and stable performance. Of course, if it is difficult to adjust the position, you can also change it when the fund rebounds.

3. Funds with poor performance cannot be ignored, and the net value of funds has been falling, so the funds should be redeemed or converted as soon as possible. Stop loss and make profit.

Second, make a plan to deal with the decline.

1. Some investors said that they bought a fund in Licaitong, 500 yuan, and observed the fund every day. If it falls, they will add 200 yuan. If it falls much, they will increase their positions. If it goes up, don't add positions. It is unreasonable to add positions too frequently. If the fund falls every day, it is unreasonable to add positions every day. Moreover, it is easy to add a position when it falls, and the idle funds in hand will soon be added. When the market plummeted and really needed to add positions, there was no money to add positions.

2. For a single jiacang, it is necessary to consider the market decline and the decline in the yield of fixed investment funds, and formulate jiacang discipline. For example, for every drop of 5% or 10%, add positions until you run out of funds. Or it is stipulated that the monthly fixed investment will only cover the position once, and the position will continue to fall without covering the position, waiting for the next fixed investment time. This can control the number of positions and prevent the stock market from falling all the way.

3. If there is no extra funds to cover the position, it is ok to insist on regular fixed investment.

Third, do a good job in the psychological construction of fund fixed investment

In fact, after every crash or stock market crash, looking back for a period of time, we are digging a golden pit. Don't worry about investing in index funds with low valuation. As long as you don't buy when the stock market is the craziest and the valuation is overvalued, you will definitely get good returns in the future.

Fourth, share the cost through fixed investment.

1. 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 by 0.2 and became 0.8 yuan. Although your total assets are only 400 yuan, you can buy 625 shares with 500 yuan.

2. 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 0.89 yuan. As long as the net value of the fund in the third month is not less than 0.89 yuan, you are not a loss. 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.

Verb (abbreviation of verb) Matters needing attention in fund fixed investment:

1. Pay attention to the proportion of fund types according to your risk tolerance and investment purpose. Choose the fund that suits you best, and set an investment ceiling when buying partial stock funds.

Be careful not to buy the wrong "fund". The popularity of funds has led to some fake and shoddy products "fishing in troubled waters", so we should pay attention to identification.

3. Pay attention to the later maintenance of your account. Although the fund is worry-free, it should not be left unattended. Always pay attention to the new announcements on the fund website, so as to have a more comprehensive and timely understanding of the funds you hold.

4. Pay attention to buying funds and don't care too much about the net value of funds. In fact, the fund's income is only related to the net growth rate. As long as the fund's net growth rate stays ahead, the income will naturally be high.

5. Be careful not to "love the new and hate the old" and blindly pursue new funds. Although the new fund has inherent advantages such as preferential prices, the old fund has long-term operating experience and reasonable positions, which is more worthy of attention and investment.

6. Be careful not to buy bonus funds unilaterally. Fund dividend is the return of investors' previous income, so it is more reasonable to change the dividend method to "dividend reinvestment" as far as possible.

7. Be careful not to talk about heroes with short-term ups and downs. It is obviously unscientific to judge the pros and cons of the fund by short-term ups and downs, and it is necessary to make a comprehensive evaluation of the fund in many aspects and conduct a long-term investigation.

8. Pay attention to flexible investment strategies such as steady and worry-free fixed investment, affordable and simple dividend conversion.

Extended data:

Balanced jiacang method:

1, set the decline, divide the funds for jiacang into several parts on average, and add one for each decline.

2. For example, we set the decline as 10%, which adds up to 30,000 yuan, divided into three parts on average, and each part is 10000 yuan.

3. The fund fell 10%, adding positions for the first time, adding positions 1 10,000 yuan;

4. The fund continued to fall to 10%. After the second jiacang, the funds used for jiacang are still 10000 yuan;

5. If the fund continues to fall, it will fall by 10% again, add the third position, and buy all the remaining 10000 yuan.

6. Finally, after the bullet is finished, wait for the market to reverse.

References:

Fund Baidu Encyclopedia