Recently, due to market fluctuations, the fund has fallen. For many investors, investment is not a loss, especially when the fund is scheduled to vote. In fact, when the market falls, it is forbidden to stop fixed investment at a low point. The focus of the fund's fixed investment is not timing, but long-term persistence. Only by persisting in long-term investment at a low point can we share the risks and enjoy the benefits brought by long-term investment. At the same time, investors can adopt the principle of "covering positions with small losses and covering positions with large losses". When the market falls, due to the increasing opportunities, the fixed investment should be appropriately increased; When the market rises, due to the increasing risk, the investment should be reduced appropriately. At present, many fund companies have opened regular and irregular businesses, that is, the amount of fixed investment is automatically adjusted according to market ups and downs. Using this method can effectively avoid irrational "chasing up and killing down" to cause unnecessary losses. In addition, the types of fixed investment funds can be rotated in a timely manner. Although fixed investment requires long-term investment, investors should regularly compare the performance of target funds and actively choose and rotate products. It is suggested that Jimin might as well invest 60% of fund assets in those funds that have experienced bull and bear market and are still eye-catching as the core allocation, while the remaining 40% of assets are allocated to those funds that have performed well in the past six months or a year as the satellite allocation. Therefore, when the market falls, you can't cut off the fixed investment of the fund, and don't blindly redeem it when the net value of the fund falls. The recent sharp decline in the market has caused a decline in the net value of the fund, which has affected the investment sentiment of many investors. But let's not forget the reason why we bought the fund in the first place, that is, our financial management goal. Faced with the reality of high inflation, in order to avoid the shrinking of our assets and achieve future financial goals such as home ownership and pension, we chose to allocate fund assets. When we face a long-term goal, we can reduce the loss in investment by the following methods, and we will not panic when the market and fund net value fluctuate. Funds with poor performance can be adjusted appropriately. If the performance of the fund you invest in is lower than that of similar funds and their performance benchmarks for a long time, then the operation mode of the fund may not meet the investment demand, and investors can choose to redeem it at an appropriate time. However, if the net value of the fund falls due to systemic risks, it is necessary to wait patiently or flexibly use the fund to cover the position, so that investors can get benefits as soon as possible. For the established fund product portfolio, as long as the fund fundamentals in the portfolio are good, investors can optimize the fund portfolio through dynamic adjustment methods such as low positions, instead of redeeming the funds in the portfolio, which will affect the original fund portfolio structure. When investors hold funds with a large proportion of stock positions, such as stock funds, and need to avoid them temporarily in a certain period of time, investors can choose fund products that can be converted with funds with lower risks such as bond funds to invest, so that they can avoid systemic risks at any time and will not miss market opportunities.