If you have two funds now, one earned 5% and the other lost 5%, and now you are short of money, which fund will you redeem first? Perhaps many citizens will say that the funds that make money will be redeemed for profit, and the funds that lose money will be sold after returning to the original value! Today, Bian Xiao will share with you the money-making fund and the money-losing fund, which to sell first, for your reference only!

Look at the long-term performance of the fund.

Fund investment is expensive in long-term holding, not just short-term performance. For example, a fund's short-term performance is good, but its long-term performance is not satisfactory, which does not mean that the fund has good profitability; On the contrary, those funds that can outperform similar products in the short, medium and long term can be called good development potential. You can know the performance ranking of fund products in similar funds in the past six months or even one or two years.

Look at the fund manager.

In recent years, the concept of "active fund should select people" has been recognized by many investors. The investment style, past performance and risk control ability of fund managers are all important factors for us to understand the fund.

Look at the location

The asset allocation and industry of the fund also have an important impact on our investment. You can pay attention to whether the fund investment sector conforms to the future market development trend.

Faced with this problem, don't rush to conclusions. Let's look at a small example first. If you are now the boss of an enterprise and have two employees, employee A is conscientious and brings considerable income to the company, while employee B does nothing every day and makes the same salary as employee A. Finally, you say to employee A, you don't have to come tomorrow. And said to employee B: You haven't made money for me, so I'll wait for you to make money for me.

Hearing this, some citizens may find it ridiculous, because normal business owners should not do this. However, in the process of fund investment, many people have fallen into this strange circle and sold the money-making fund directly.

Of course, it does not mean that it is incorrect to sell the profitable fund first and then redeem the loss-making fund after it has returned to its original capital. Instead, I want to correct a concept: judging whether a fund should be sold is not entirely based on whether it is profitable now, but on the future value of the fund. In other words, sell a fund that you think has little potential to make money in the future and is difficult to rise.

In the past two years, the returns of funds purchased by many investors are generally unsatisfactory. What caused the large losses of most funds? Mars, an analyst at Shanghai Securities Fund Evaluation Center, pointed out that, first of all, the essence of fund products is the combination of securities, and the performance of fund income is closely related to the performance of the underlying market. In the continuous decline of the stock market, it is difficult for equity funds and hybrid funds, which mainly invest in stocks, to achieve positive returns. In the case of rising stock market, most partial stock funds can often achieve positive returns. Therefore, it is impossible for funds to create myths and create high positive returns in the continuous decline of the market in recent years.

From the long-term performance, in most cases, the overall performance of funds is better than that of individual investors, especially in bull markets and volatile markets. For example, in 2006 and 2007, more than 80% of equity funds achieved a return of more than 100%, while the proportion of individual investors was less than 20 12 years. Nearly 50% of equity funds have achieved a return of 5% to 30%. According to the survey, more than 50% of individual investors have lost between 5% and 50%. Therefore, the fund is still a good investment tool for individual investors to participate in the capital market.

All kinds of problems, whether China's stock market construction, economic development or asset management industry, can't be eliminated in a short time, and all need the rationality of the market as a whole to promote it. However, as investors themselves, we must measure our risk tolerance clearly and not blindly listen to the propaganda of sales staff. If your risk tolerance is weak, or the funds you want to use in the short term, you can't invest too much in a single stock fund to avoid being greatly affected by the risk of stock market fluctuations. Therefore, for individual investors, it is more meaningful to have a long-term investment mentality, choose appropriate fund products according to their own risk tolerance and renewal, avoid excessive pursuit of popular funds with outstanding short-term returns, pay more attention to funds with relatively stable long-term performance, and spread risks through fixed investment and portfolio allocation to obtain long-term stable returns.

In addition, we should also remind everyone that it is necessary to understand the fund products and pay attention to their upside before deciding whether to sell them, but we should also pay attention to other signals. If the following situations occur, you can decisively consider selling.

First of all, the market has changed dramatically. Short-term fluctuations in the process of fund investment are normal, and what we should really be wary of is the drastic market changes that have fallen sharply from a high level. For example, from 2065438 to June 2005, the stock market plummeted. If you choose to continue holding in the face of large losses at this time, it may be difficult to return to the capital.

Second, the fund manager has changed. It is normal for fund managers to change, but it is also a signal that investors need to be vigilant. It is suggested that they can observe for a period of time first. If the investment style and performance of the new fund manager are not satisfactory, investors can consider redemption.

Finally, I want to reiterate that we should not sell funds that lose money across the board, nor should we sell funds that make money across the board. The correct way is to pay attention to the future rising potential of funds and sell funds with little income potential.

Tip:

First, we should pay attention to arranging the proportion of fund varieties according to our own risk tolerance and investment purpose. Choose the fund that suits you best, and set an investment ceiling when buying partial stock funds.

Second, 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.

Third, pay attention to the post-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.

Fourth, 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.

Fifth, we should be careful not to "love the new and hate the old" or 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.

Sixth, we should be careful not to buy dividend 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.

Seventh, we should pay attention not to talk about heroes in the short term. 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.

Eighth, we should pay attention to the flexible choice of investment strategies such as steady and worry-free fixed investment and affordable and simple dividend transfer.

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