Analyze the reasons for the decline.
When the fund starts to fall, which leads to the general loss of the fund, don't be confused because of the fear of loss. Redemption in the case of panic, the first thing to do is to analyze the reasons for the decline. There are generally three reasons. First, the market entered a bull market, leading to a general decline. Second, the fund's poor experience and ability led to a decline due to strategic mistakes. The third is the fund loss caused by its own operational mistakes. If it is the first reason, please relax and wait patiently. The market is changing rapidly, and excellent funds will always win in the long-term investment process. If it is the second reason, we should give up the fund decisively and look for other investment opportunities. If it is the third reason, please reflect on yourself first and adjust your investment sentiment. Don't make a hasty decision.
The decline of the market is an opportunity for us to enter the market at a low level, and we can buy more fund shares at a lower cost. At this time, you can select excellent fund layout, and wait until the bull market is the time to harvest. When the market falls, if the fund you hold has not changed much, if the previous performance has been better, then give it more time, trust your fund manager and stick to it.
For falling funds, there are generally three operations: redemption, continued holding and jiacang.
ransom
If you can't stand the loss and want to redeem the fund, you can ask yourself a few questions before redemption.
After redeeming the fund, are there any other substitutes? Even if you want to redeem the fund, you should ride a donkey to find a horse and look at other alternatives first.
Is the fund to be redeemed really worthless? When you first chose this fund to invest, what did you look at, stability? Follow the star fund manager? Performance was better then? Or because of other reasons, has the fund's loss changed now because of these circumstances? Don't easily redeem a fund because of the anxiety of losing money.
Continue to hold
In the face of the loss of the fund, we can also choose to stay put and continue to hold it. This inaction does not mean that we will not do anything about the fund, but pay attention to it and give it a period of time to dynamically track its performance. If there is no big problem with the fund itself, we can hold it with confidence.
amplify
It is a truth that many people have heard, but not many people really do it. If the fund only loses money because of the market, it is a good idea to increase the position at the time of loss and share the cost equally. What is the specific increase? You can fill one-third of the original position first and add positions in batches instead of a stud.
The above are some suggestions on the loss of funds bought at high positions, hoping to help you.