Two-Step high survival anti-shock

　　

　　

After the Golden Week, the stock market opened the curtain on the new "commanding heights" and looked at the net worth of funds that climbed up again. The quasi-Basic people were eager to enter the market, but worried about the future, our worries about the performance of our fund in the future are constantly increasing. Under such a high market position, how can we adjust fund investment strategies to effectively avoid investment risks and maximize the profits of investment funds?

Experts suggest that, if investors agree that the medium-and short-term market will be a shock market, they can "dilute" the risks by creating warehouses in batches during the course of entry, you can select cash dividends to reduce your positions without costs, and set an appropriate stop loss point to control risks.

　　Entry: low risk of batch warehouse Creation

Different fund-based investment methods can be divided into two types: one-time investment and batch investment, the batch investment method can be further divided into the "batch investment mode with an uncertain warehouse creation time or amount" and the "regular quota batch investment mode ".

Generally, investors can choose suitable investment methods based on their own capital nature and market outlook judgment. The advantage of one-time investment is that funds can be put into operation as soon as possible. The disadvantage is that, if the market is adjusted, the purchase cost cannot be reduced. Therefore, this method can be used when the market outlook can be accurately determined. However, it is difficult to determine the direction of the medium and short-term market. However, you can also consider one-time entry for long-term funds that are optimistic about the market outlook for a long time.

Currently, market participants are still optimistic about the overall direction of the market, but many risk factors have gathered in the near future. In the fourth quarter, the market may experience wide fluctuations. Based on this, compared with one-time investment, the investment method of creating warehouses in batches may cause some of the principal to miss a period of market growth, but it is more conducive to "dilution" investment risks.

　　Solution 1

　Non-fixed batch Investment

With the option of "Creating a warehouse at an uncertain time or amount of investment in batches", investors can first subscribe to a fund with 1/4 of the funds. After that, the market adjusted, the net value of the fund fell, and then make up the warehouse with 1/3 of the funds, in the future, the net worth will be added as soon as it is adjusted, and the amount of each investment will increase by a certain proportion compared with the previous one. In this way, the less you buy, the more you buy, and the lower the purchase cost.

This investment method is applicable to a market with a sharp fluctuation but upward trend. It is suitable for investors who already have idle funds, have a certain amount of energy and have time to pay attention to the market.

For example, in table 1, Mr. A intends to save 60 thousand Yuan to invest in a fund. The net worth of the fund is 1.5 yuan at that time, and his investment of 1/4 yuan is 15 thousand yuan, ignoring the transaction cost, and purchasing the Fund to 10 thousand yuan. After that, when the market adjusted and the Fund's net worth fell to 1.35 yuan and 1.2 yuan, Mr. A invested 1/3 yuan, that is, 20 thousand yuan and the remaining 25 thousand yuan, respectively to continue to purchase the fund. In this way, Mr. A's profit and loss point is 1.31 yuan, and if a one-time investment of 60 thousand yuan, the net worth of about 1.5 yuan can be guaranteed.

　　Solution 2

Regular and fixed batch Investment

Regular fixed investment refers to the continuous purchase of an Open-ended Fund by investors at a fixed time every month at a fixed amount. When the Fund price increases, the purchase share is relatively small. When the price falls, the purchase share is large. After long-term accumulation, the cost and risk will naturally be reduced. This type of investment is more suitable for wage earners who have medium-and long-term investment plans or do not have large savings but have savings on a monthly basis.

Assume that the performance of a fund in a year is shown in Table 2. Mr. A adopts the regular quota mode and sets a monthly investment of 20 thousand yuan. By October 1, he will redeem 108508.3 yuan, with a return rate of 8.51%. Mr. B made a one-time investment of June 1 billion yuan in 0.1 million. By October 1, he had a return rate of-2%.

　　Hold: two moves to lock the "base" Profit

In addition to selecting an appropriate investment method to avoid risks during "entry", you can also consider switching investment strategies when holding funds.

　　Method 1

No cost reduction in cash dividends

Generally, experts suggest investors that dividend re-investment is a better option than cash dividend when selecting a dividend method, because in a long-term upward market, dividend re-investment is adopted, more benefits are expected.

However, if it is determined that the market outlook is likely to experience sharp fluctuations, investors who may have cash needs in the short and medium term should be cautious about selecting dividends for reinvestment. Due to the fluctuating market conditions, the net worth of the fund is likely to fluctuate sharply. In this case, if you choose cash dividends, you do not have to pay any redemption fees. First, you can leave the book income to security, it is equivalent to lowering your fund's position in disguise, and investing in dividends will cause investors to become more damaged due to their excessive positions.

　　Method 2

Set a reasonable stop loss point

In general, open-ended Funds are suitable for long-term investment. However, as the saying goes, "purchasing is only an apprentice, selling is a master". Choosing the right Redemption time is used to prevent risks, it is also very important to lock profits, especially when the market has already bid farewell to the unilateral market rise.

An important reference indicator for choosing an appropriate redemption opportunity is "Stop profit" or "stop loss ". The stop loss point ensures that investors do not suffer heavy losses when there is a major decline. The precondition for the operation is that the entire market has a major turning point or strong volatility. At this time, it is necessary to set the profit stop point.

Specifically, the so-called stop loss is to set a fixed degree of loss. Once the loss reaches this level, it will throw and bear the current limited losses to avoid more losses in the future. In the Fund's growth process, the amount of profit is set to a certain extent.

In practice, how to set a stop loss or profit stop depends on the investor's choice of the risk level, but its core is to control the risk of investment within its own tolerable range. For example, if an investor has a strong risk tolerance capability and the Fund is a long-term investment, the profit stop point can be high, for example, about 30%. If the money is used at any time, however, the market is slowing down, and the profit point must be reduced accordingly, for example, around 5%.

If the market has been lowered, experienced people usually redeem it only when the market has been adjusted by more than 5%. The reason is very simple: the redemption rate of a fund is usually 0.5%, and the fee for buying a new fund is 1.5%, and the profit of a fund of 2% is gone. In addition, the redemption fee is generally deducted from the account on the T + 7 day, so the cost of delaying other investment opportunities during this period is also calculated.