Shirenjuan: The colder the market, the more investment

In the words of Shirenjuan, the charm of the Fund is to persist in the coldest time of the market, and only the investors who can survive the winter will be the last big winners.

Shirenjuan is the marketing director of a well-known cosmetics company in Shanghai. As a veteran CDI, she told reporters how she was at the most difficult time in the market, insisting on a definite vote, and finally ushered in the dawn.

First try to follow the stock index to play roller coaster

Like many people, the 34-year-old Shirenjuan, who was originally ignorant about wealth management, began to focus on equity investments after the stock market reopened in 2006. But because of his busy working day, no time to look at the plate, she soon changed from the stock to the base people. "At the time I had just come into contact with the fund and didn't know much. At that time began to have some fund companies recommend funds to invest in this way, I think this kind of investment is very suitable for us to get a monthly salary of white-collar workers, so began to give 500 yuan a month to try. "Shirenjuan said.

But the stock market has risen much faster than Shirenjuan's imagination. "In the surging market, the return on the fund will be less than a one-time investment," she said. But when I listened to the investment experts, the fund was invested in the insistence, whether CBBC should be held for a long time, in the end, will certainly have a good return. I didn't expect the bull market to come fast enough, and the market capitalisation of my account began to shrink rapidly after the October 2007 stock market peaked. ”

By June 2008, Prev from the peak of 6,000 points halved to 3,000 points below, Shirenjuan's fixed investment account also from floating surplus to floating deficit. From July 2006 to June 2008, Shirenjuan, who insisted on investing for two years, began to doubt the value of the Fund's investment. "I thought, why I insisted on a two-year, bull and bear market experience, but in the end just follow the stock market to play roller coaster." I don't think it seems to have the effect of smoothing the risk. "she said.

Overseas experience to help them grasp the tips of investment

In order to be able to invest plainly, Shirenjuan began to seriously study the nature of the investment. Since the history of China's Fund development was still very short, Shirenjuan looked into the overseas market. Among them, a Taiwanese investor's experience in setting up a Japanese stock market gave her a big revelation.

Shirenjuan said: "We all know that Japan since the 1990 stock market bubble burst, so far in 20 years, the Nikkei has not hit a new record." It is supposed to be that such a market is simply not in line with the requirements of a fixed investment, because it needs to be effective in a long-term upward market, but that is not the case. ”

According to Shirenjuan, since 1996, the Taiwanese investor has set aside NT $36000 from the year-end bonus to buy a fund to invest in the Japanese stock market at a regular quota of $3000 a month. At that time, he evaluated the daily stock is expected to rebound, did not expect to invest in the current month, the Japanese shares tumbled 8%, followed by two consecutive years down, the most miserable, the principal loss of more than 40%. Years of bad fall, once made him very hesitant. But after careful analysis, he found that the most important spiritual essence of regular quotas is that the market will be more and more to buy, the more cold the market to vote. So as to spread the cost, until the market rebound, it is possible to multiply profits.

So he monthly from his own salary out of NT $4000 to increase the fixed investment, so that the continuous deduction of 3.5, the daily stock gradually heated up, finally broke through the 19,000 mark. Although the index position was lower than the 1th time he was charged, the overall return on investment was over 100% and the annualized yield reached 21%, reaching his pre-set take profit target, so he readily redeemed his departure.

Careful analysis of the market the colder the more to invest

"As long as the operation of the right, for the past 20 years of the Big bear market can be set to achieve a good profit target, the fundamentals of China's economy is far better than Japan, and the volatility of the emerging markets more drastic, such a market, how will it be ineffective?" Inspired by this case, after repeated comparisons and serious thinking, Shirenjuan summed up the success of the two key tips: one is to buy more, especially in the extreme cold market, the new fund is not the occasion, but also to buy more overweight. Second, after the fixed investment can not be Shang, do not set the stop loss point, but must be set to take profit point, when the total return to achieve their own expected goal, will be resolutely redeemed, the profit fixed down.

Based on these two guidelines, Shirenjuan has developed a set of its own set-up model: to prev 3,000 points for the valuation of the axis, to 20% of the monthly salary for the investment axis, the monthly insist on a fixed vote. The market every 100 points, 1% of the monthly salary to be fixed, up to 35% of the monthly salary, in order to prevent the impact of daily life. The market every 100 points, reduce 1% of the monthly salary, when the Prev up 5,000 points, no matter how the proceeds are stopped fixed. When the overall rate of return for a fixed investment is over 30%, the round-off will be completed, but the monthly new fixed deduction will continue.

In this way, in July 2008, Shirenjuan ended the original stock-based fund, and instead all bought the Castrol CSI 300 Index Fund. Because Shirenjuan believes that index funds fluctuate the most, it is easier to achieve the target of 30% of the fixed investment profit. At the same time out of the month 22% of the salary of a total of 1320 yuan to invest Castrol 300 (as Prev at the time of the vicinity of 2,800 points), and then every month in strict accordance with the established rules of investment. "In October 2008, when the index fell to 1664, I watched the account bleed, and I panicked. But I turned to a thought, since already recognized the true meaning of the investment, is to market the colder, the more ruthless investment, then do not fear, adhere to the unity of knowledge, so as to achieve the final victory. Shirenjuan said, smiling.

Unexpectedly, only to adhere to less than a year, by May 2009, Shirenjuan's total return on the overall rate reached 30%. Although the rally was still fierce, Shirenjuan ended the round with a decisive end at 2,900 in late June.

Flexible and selective investment

As a result of the big rebound in 2009, the majority of small and medium-sized stocks Shenzhen rose far better than the majority of the stock market in Shanghai, so in July 2009, Shirenjuan selected Shen 100ETF as a new round of target funds.

After entering the 2010, Prev again fell to 2,319 points, the global economy two times the panic of the bottom of the voice, but with the previous 1664 points still teeth insist on the final dawn of successful experience, Shirenjuan unmoved, continue to overweight investment. After the National day of 2010, the market suddenly started, just one months later, Prev on the 3,000 points, at this time Shirenjuan a calculation on the music-his fixed return to 30%.

After entering the 2011, Shirenjuan gave birth to a daughter, and her third round of the road was also set sail with her daughter's life. This time, Shirenjuan again changed its own target fund-from the deep license 100ETF changed to follow the Deep 100 index of the leveraged funds Banghuari into [0.83-0.24%]. She said: "Leveraged funds is a new thing, I observed for several months, found that its amplitude is quite large, the timid people may think that the fund is too risky, but because I strictly abide by my investment discipline, the use of leverage as an investment rather than speculation tools, so the leverage is not a risk, but it is my set of investment weapon." ”

Although the stock market has been down in the last six months, as of June 22, the Shirenjuan fixed-account floating deficit reached 13% per cent as a result of the most aggressive leveraged funds invested, but Shirenjuan was not worried. She said that the previous two fixed investment in the 30% achieved, mainly because the market changes very fast, but as China's stock market matures, the chances of a sharp plunge will be less and more, the future of each round will be more and more time, the difficulty of profit will be more and more. But she believes that investing in money is not a very difficult thing, as long as the adherence to the unity of knowledge, even if the market performance is worse, can still achieve profitability.

Reporter reviews

The hardheaded can't be fixed.

We often say that the fund is a "fool investment Law", "lazy investment law", but in fact, "silly" and "lazy" is only to not predict the market trend and take a "inaction win has" investment philosophy. In the actual operation of the process, investors can also be based on their own situation and personality characteristics of the establishment of their own fixed investment model. From stock funds to index funds, to ETF funds, and finally choose the radical share of leveraged funds as a bid, it can be seen that Shirenjuan has been in accordance with market changes and practical experience, flexibility to revise their own fixed-investment model. and choose those funds with the highest volatility and lowest rates, so that they can achieve their targets faster.

Of course, the reason why Shirenjuan in October 2008 and July 2010 two successful "bottom", but also in July 2009 and November 2010 two successful "Escape top", not her judgment of the market is very accurate, but she can in the market cold without fear, insist on investment, in the market frenzy is not greedy, Decisive take profit, to achieve the unity of knowledge and line.