Fortunately, this year, the fund market has not been depressed in the bear market. However, the fund market is complex and changeable, and suddenly there will be a storm. At this time, it is also likely to be the calm before the storm. What about the fund quilt cover? How to deal with the fund quilt cover? After investors buy a fund, the net value of the fund falls below the "cost price" for various reasons. If investors can't face up to the phenomenon of fund "locking", it will be difficult to achieve the purpose of fund "unlocking", thus losing investment opportunities.
In fact, it is common for funds to be "quilted". As long as investors master certain strategies and methods, they can completely avoid long-term quilt cover or blindly cut meat to redeem. The following four countermeasures can be used flexibly by investors in actual operation.
Is the foundation stuck? What should I do if the fund is quilt?
1. amortized subscription cost method.
If the types of funds held by investors have a strong correlation with the securities market, and the securities market is at the bottom of the operating cycle, or at the bottom of the stage, investors can completely buy fund products to reduce the investment cost of funds. The cost is low, even if the funds are locked up, it will not be too much.
2. Transfer investment risks to prevent the fund from getting deeper and deeper after buying.
When investors buy relatively high funds and are at the stage top of the securities market, they should take effective stop-loss measures in time, convert stock funds into money market funds, wait and see the changes in the securities market, and choose the best investment opportunity to re-intervene. It not only avoids the risk of the decline in the net value of equity funds, but also fully improves the utilization efficiency of funds. Don't chase stock funds, because hanging from a tree happens from time to time.
3. Lock the expected annualized expected income with preferential redemption rate.
The capital preservation fund in fund products provides investors with a natural investment security barrier. Even if the fund products purchased by investors face "lock-in" during the hedging period, as long as investors are pessimistic about the performance of the fund's net value during the hedging period, the capital preservation fund they hold will not suffer more losses because of the preferential redemption rate. Therefore, clever use of the conversion between fund products is also the main method to prevent the fund from "locking up".
4. The fund "locking" caused by the change of fund manager is only temporary.
Because the net value of the fund is closely related to the management style of the fund, it is also greatly influenced by the investment preference of the fund manager. Therefore, the replacement of fund managers will generally cause the fluctuation of fund net value, and the adjustment of fund manager's strategy will also affect the fund net value. These two factors may make fund investors "stuck". However, this fund "locking" phenomenon will not last long, and investors do not have to blindly adjust the fund share. We should emphasize risks seriously and don't exaggerate them too much. After all, in addition to bank savings, funds are less risky and suitable for public investment and financial management. Especially this year, a large number of fund managers change, which may lead to short-term funds being quilted, but don't worry too much. After all, taking over always takes some time.