Never try to understand what bankers mean. When you want to copy the bottom, it is possible that you will only copy halfway up the mountain, and then there will be a bigger market. So the advantage of the fund is that it can be purchased quantitatively, which means you don't have to buy it manually. You can decide how much to buy. Different amounts have different shares, which is a very good point. You can consider investing in positions. Generally speaking,
First of all, you should know that it is normal for the fund to plummet by 20%, because it is normal for the fund to plummet even at a historical high. Under normal circumstances, the decline of the fund is not just a wave, there may be two or three waves of decline. In the event of a sharp correction, you can start to open positions from now on and then start to vote. Under normal circumstances, if you copy halfway up the mountain, you may lose a lot, but if you gradually build a position by means of fixed investment, your probability of profit will be greater and your profit will be more.
When investing, always remember that risk and return are relative. When you want to get high returns, it is doomed to be high risk. If you want to copy the bottom, you are destined to get high returns. Then you must know that this time is relatively high risk. More than 40% of callbacks in history are not without. No one can guarantee that there will be no more than 40% callback in the future. If you enter the market now and continue the callback, your fund will also suffer great losses, and if the fund falls sharply in the market, the callback is generally slow, so after the lock-in, you have to accept the reality of your lock-in, but also pay the management fee to the fund company, so it is very uncomfortable.
In fact, in the process of fund decline, you buy at the bottom. There is nothing wrong with this idea, but you must pay attention to this amount, because a reduction of 20% does not mean that the fund will not be further greatly reduced in the future, so you can bargain-hunting at this time, but pay attention to the bargain-hunting mentioned this time. It is to establish a bottom warehouse of a small position first, and then realize the bargain-hunting operation through fixed investment.
Therefore, a 20% decline in the fund is suitable for bargain-hunting, but this bargain-hunting does not mean that we buy directly at one time, but that we will open positions first and then open positions in batches, which means that we will adopt a fixed investment method, which will make our risk less this time and ensure the income as much as possible.