At the beginning of 2022, the fund "fell mother does not recognize", quickly on the hot search, many young people pain through the heart every day in real time "live broadcast" of their sad stories, "open your eyes is falling" "I want to cry but can't cry out" ... Recall that last year was also about this time, some young people "inexplicably earned 20 points", only one step away from becoming Buffett's successor. However, this year has crossed the year, and young people have been beaten hard by reality.
What the hell is going on here? But just bought some funds, how come even the pants are gone?
"Try to catch up, see the fund ranking to buy funds"
Looking back at the 92 hot searches related to funds on the Weibo hot search list in 2021, there are 19 topics that have been read by more than 100 million. From the hottest TOP10 fund topic and the corresponding fund trend, we found that the time of the small white "into the pit" fund is usually concentrated in the time of the fund rise, many novices xiaobai buy funds like to look at the ranking reference recent or previous years of the big rise in the fund, due to the better historical performance, these funds will often appear in the Alipay and other platforms of the "five-star gold selection" list recommendation, and this type of fund often has risen very high, the valuation is in a relatively high position, at this time to buy, it is very likely to buy at a high level.
Small white novices will often try to buy with a small amount of money at the beginning, and after encountering a good market and rising for a period of time, in order to obtain higher returns, they will not be able to control the purchase of the rise, and the risk of encountering a pullback at this time will be greatly increased.
Such as the previous two years of sharp rise in the medical and new energy track, when the market is good, see others make money, many young people follow the trend to buy, and by 21 years, the type of fund has begun to pull back as a whole, at the beginning of this year, it is a full line plummeting, and many high-level friends are miserable.
The fund is a volatile product, it will not always rise or fall, unless the possibility of the monetary fund has been rising is relatively large, that is because the monetary fund is a small risk fund type, and other fund types are basically up and down, when it rises for a period of time, the probability of the fund falling is greatly increased.
"A stud, want to copy the bottom of the house"
First of all, the behavior of bottom reading itself is no problem, after all, the market cannot always rise, there will always be a time for adjustment, then the adjustment time is a good opportunity to buy the bottom.
Especially novices, pay attention to a fund with a better upward trend for a period of time, see the decline seems to have a voice shouting, hurry to the bottom ah, you see, it has become cheaper, and then do not buy the bottom in case you miss this village there is no such shop. So began to buy heavy positions, but the market is always unpredictable, bad luck or when the market is more extreme, it is easy to buy in the middle of the mountainside, especially at the beginning of the fall to make up for the position, but the more it falls, the more it falls, and finally there is a follow-up meat cutting and falling, resulting in a vicious circle in the market, which may result in the desire to copy a bottom, but was raided, and finally fell into a deep set, leaving painful tears.
Bottom reading and buying at the highest place, the risk is also very large, so it is still necessary to control the position and timing, the bottom must be light position start, copy in each downward band of the sideways consolidation stage, each round of new bottom reading is larger than the previous round of bottom reading position, remember the heavy position to read the bottom. If the bottom position has reached half of the total personal funds, then at this time, the follow-up bottom should be more cautious and cautious, and no additional funds can be added at will. If you have accidentally taken a heavy position and bottomed out, you can lie flat, hold it for a long time, and wait for a big rebound before going.
"Underestimate risk, fixed income ➕ is not a risk-free product"
Bond funds and equity funds are not the same, more able to provide relatively stable long-term benefits, many novices Xiaobai began to buy funds, is to hope that the remaining money is more than the bank regular or balance treasure, and can not bear too much risk. Usually, there are some fixed income + or pure debt funds with small drawdowns and low risks.
However, relative stability does not mean that there is absolutely no risk and no loss, such as the bull market of convertible bonds that lasted for more than 3 years, which has recently encountered a lot of tests, on February 15, the China Securities Convertible Bond Index fell by 1.52%, and even fell by 3.01% in the previous trading day. According to the statistics of brokerage analysts, this decline is the largest one-day decline since the new crown in early 2020, when the convertible bonds fell sharply in the first two days, the debt base generally fell a lot, and the netizens in the fund bar were even more scolded.
In fact, at present, most of the "fixed income +" thickening income comes from stocks, bonds, everyone for "fixed income +" should be rational viewed, can not be regarded as a risk-free, high-yield assets, but should look at the essence through the phenomenon, "fixed income +" hot has its rationality, but can not blindly invest in ignoring the potential risks.
"Single position, eggs in the same basket"
"Don't put your eggs in the same basket" principle, everyone understands. But why do so many people keep falling behind in the matter of buying funds?
For example, when the medical fund is relatively hot, many xiaobai like to buy a number of different medical funds, feel that the risk is dispersed, and now they are rising well, earning more, but this does not disperse the risk, but increases the risk. Because the medical fund belongs to a plate, it belongs to a therapeutic plate, it is likely to rise and fall with the same, in case there is a black swan in this industry, then the risk caused will be very large.
Single-handedly pressing a certain sector, although there may be extreme returns in the short term, but this investment income is unstable. Looking at the lengthening of the cycle, the return will not be too good, and the disadvantage is obvious. And if the fund of funds, this fund falls, other funds will not necessarily fall, even if they all fall, but the magnitude of the decline is also different, so the risk can be spread out.
Risk and return coexist, when you decide to step into the stock market, you must be prepared for everything, investment is not gambling, we have to be responsible for every cent of the principal, the new year, I hope that everyone can cover their wallets, small gains ~
I'm half awake~
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