There are three reasons for the fund's fixed investment: First, the overall market downturn. Taking 20 18 as an example, A shares fluctuated downward as a whole, which can be described as sand and mud coexisting. There are no eggs under the nest. In this case, the net value of the fund unit will inevitably be dragged down, and it is normal for the fund to lose money. Second, the quality of the fund. At present, there are tens of millions of funds in Public Offering of Fund, and the performance of different funds is different. Some investors' funds are unreliable, or they are star funds at the beginning of fixed investment, and then the performance of the fund declines. At this time, the fund will continue to lose money.

Third, the corresponding plate goes down. The A-share market shows obvious plate rotation, with little overall ups and downs. Many times, the performance of different plates is different. For example, the trend of GEM is different from that of the broader market, and the banking sector is different from the pharmaceutical sector.

According to different reasons, make different countermeasures.

In the face of losses, we can't simply think about "whether to give up", but decide according to the situation and classify policies.

First, if the market as a whole goes down, then it should not give up. The fixed investment of the fund is a long-term strategy. Usually, the fixed investment period is 3-5 years, and the fixed investment of the fund pays attention to "taking profit without stopping loss". In the face of market downturn, we should regard it as an "opportunity" to share the cost of fixed investment. At this time, you can accumulate cheap chips, and then the market will go up, and you can reap rich returns. This is also the perfect curve "smile curve" of the fund's fixed investment. Second, if there is a problem with the quality of the fund, then the fund should be redeemed decisively. To put it bluntly, buying a fund is to find a "leading brother", and a good helmsman can take us to the other side of wealth. Imagine, can we still expect to make money when we board the wrecked ship? Some funds don't rise when the market goes up, but fall sharply when the market goes down. Not only the increase is large, but also the overall performance is weaker than the market average. So at this time, we should give up the fixed investment and choose another fund. Third, if the industry is declining, then we should carefully reflect on our investment strategy. In fact, for novice investors, it is best to invest in broad-based index funds. The rotation of the A-share market is very obvious, and the market itself is expected to be very difficult. Therefore, the risk of fixed investment in sector funds is high, and there will be losses if you are not careful. For example, the military sector, the market has come, the increase is amazing, but more often, the sector is in a dormant state and the income is not high. It is too difficult to judge when the military sector market will come, and most people can't do it.