What should I do after the fund collapses?
In the face of the market crash, stocks can do T, cut meat and add positions to deal with it. Where's the money? Is it really a lazy person who buys money and waits? Of course not. This is the most passive solution. In addition to staying put, investors can also judge whether to add positions or redeem them through several dimensions.
First of all, look at personal position.
For a small partner who has a short planned holding period and currently holds a high position, if his position fund has achieved the purpose of taking profit, and he is full of worries about the current situation and is afraid of a deep callback after a rapid rise in the short term, then he can choose an appropriate take profit redemption at this moment. For those small partners with low positions, there is no need to be too alarmed about the adjustment brought by this black swan. Although the epidemic has not been completely controlled at present, in the medium and long term, China's economy will not change its long-term positive trend, and short-term fluctuations will hardly affect the general trend. Now you can consider holding a position and waiting to see. If you are worried about a sharp rise, you can buy or vote in batches.
Second, learn from the operation of institutional funds.
If you are not sure about your judgment, you can look at the performance of institutional funds in the face of downward revision. Over the past few days, we can see that Public Offering of Fund has successively announced the purchase of partial stock funds. In addition, private equity funds and insurance funds have increased their positions, bank wealth management subsidiaries have increased the allocation of equity assets for products, and brokerage asset management has also paid for it. At the same time, there is a large net inflow of funds to the north. As can be seen from the operation of these institutions' funds, in A shares,
Third, funds can be converted according to the market at an appropriate time.
Fund conversion is to directly convert the fund shares held into other open-end fund shares without re-subscription and redemption. Simply put, it is to combine the fund subscription and redemption, which can save the fund redemption fee to a great extent in this process. In addition, there are some private fund products free of subscription fees on the private equity network, which can save the cost of changing positions. In addition, in this market crash, defensive industries such as medicine are relatively resilient. At this time, you can replace other theme funds with pharmaceutical industry funds to avoid excessive losses, but it is worth noting that not all funds can be converted.
Fourth, don't worry about liquidation and redemption.
Generally speaking, the short-term risk of funds is great and the long-term risk is relatively small. Then the question is, how long should the fund invest? It can be said that just like a fixed investment, the longer the time, the higher the probability of high income. On the contrary, the shorter you hold the fund, the higher the probability of loss. In order to encourage the basic people to hold the fund for a long time, many fund companies will have certain differences in the redemption rate of the fund. As the holding time becomes longer, the redemption fee will decrease. For the general public, we must be prepared for long-term investment.
Fifth, don't be too afraid of net value fluctuations.
Fund investment is similar to stock investment, and it also faces the risk of principal loss and price fluctuation. When we invest in funds or stocks, we will have these two risks, and the risks are different under different valuations. If the stock is overcast and the overall P/E ratio is hovering at a low level, the market seems to fluctuate greatly, but in fact, the risk of permanent loss of principal is very small, because the space for decline is getting smaller and smaller, and even after a long-term decline, there will often be better buying points.
The market has skyrocketed for many days. Should I redeem the fund?
People are the product of emotions. Before, they were very nervous about clearing the warehouse when they opened the warehouse. After a few days of rising, they began to feel nervous about redemption. Whether it should be redeemed, citizens can first consider several issues:
First, will the money be used in the short term?
If there is a big demand for funds in a short period of time, such as three or four months, then you can choose a suitable bag and be safe, and you can't support it for another two days. Many times, the mentality of earning more will make you lose your previous income, and because you urgently need money to choose to sell funds, you can't wait for the net value to rise.
Second, have you reached your own profit-taking line?
When investing in funds, you must set a profit-taking line, but the profit-taking line is a dynamic indicator, not a fixed value. Maybe a goal of 10% was set at the beginning, but the market sentiment became very fast, and it exceeded 10% at once, so the profit-taking line can be appropriately increased. It is worth noting that to learn to pay attention to the valuation of the market, investment is sometimes not based on what you think, but how the market reacts. If it has exceeded the average valuation by more than 50%, you must learn to take profit appropriately. If the valuation is still very low, you can raise the profit-taking line appropriately and continue to hold it.
Third, are there any measures to avoid risks?
The stock market is highly efficient and difficult to beat. If you are not a professional investor, it is best for ordinary investors to classify funds before investing, that is, to allocate assets. Do some appropriate control over the fund's positions. When buying high-risk funds, you can buy some bonds and money funds with relatively stable returns. At the same time, it is best to have money to add positions at any time.
summary
Should the fund be redeemed in the face of a sharp drop or a sharp rise in the market? In fact, you should ask yourself how heavy the current position is, how long it will take, what is the current market valuation, and whether there are other allocation channels to hedge risks.