How do novices make money in the volatile market?

How do novices make money in the volatile market?

Recently, the market has continued to fluctuate, and the net value of the fund has also fluctuated. Many investors are also ups and downs. The volatile market is a big test for everyone, but it is not difficult to make money by investing in the following "yellow calendar". Bian Xiao compiled here how to make money in the volatile market for your reference. I hope everyone will gain something in the reading process!

Three taboos

1, do not kill blindly.

In the volatile market, the net value of many funds fluctuates greatly, rising day by day and falling day by day, sometimes retreating much, exceeding the bottom line of investors' psychological tolerance, and finally can't stand selling in the decline. Therefore, they often "cut" on the floor. It is not uncommon to see the market soaring after "cutting meat" and regret that your intestines are green.

2, avoid throwing high and sucking low.

Many investors will think that since the net value of the fund can't keep rising, why not follow the rhythm of "throwing high and sucking low"? In fact, this is just a good wish. Statistics show that the probability of stepping on the rhythm every time is low, which is easy to backfire. And there will be additional subscription and redemption costs. Holding funds with good performance for a long time can get better returns. The continuous sharp rise in net worth is not the normal state of investment. After a period of sharp rise and consolidation, we can go more steadily and further.

3, avoid frequent net worth.

You don't need to look at the ups and downs of the market and stocks from time to time, and you don't need to look at the profit and loss of your fund account every day. If you believe in the long-term allocation value of the A-share market, then looking at the account from time to time is just adding to the blockage. Buffett once said that if you don't want to hold it for ten years, don't hold it for one minute.

Sanyi

1, appropriate fixed investment

When the short-term market is ideal, one-time investment does have considerable benefits, but when the market enters a volatile market, fixed investment will give play to its advantages, and it can "automatically" buy more at a low level and buy less at a high level, which not only reduces the investment cost, but also ensures a steady stream of ammunition in hand. In the face of ups and downs, investment will become a bit "tormented", and adopting the method of fixed investment can help us to be more calm-falling is a good time to buy more stocks; I am very happy to rise, and I have enjoyed the rising income from the continuous fixed investment share.

Adopting the method of fixed investment can avoid the market disturbance to a certain extent, save worry, be safe and comfortable, and improve the income level, which is really an excellent choice to shock the market investment.

2. We should stick to it.

Time is the friend of investors and the enemy of speculators.

Sticking to long-term investment seems easy without complicated operation, but it is difficult for many investors to do it. Why? Because when investing, everyone is still easy to take chances, hoping to make quick money by chasing short-term hot spots. However, Peter Lynch also said that it is not reliable to seek profits by predicting the short-term fluctuation of stock prices. Occasionally, there are huge risks hidden behind one or two successes, and the temptation of quick success and instant benefit often leads investors into the abyss.

There is also a famous saying in the investment circle that "you'd better be there when lightning strikes". No one can predict when the stock market will rise sharply. When the stock market suddenly rises, you must stay in the market and enjoy the rise. Therefore, stability, persistence and more patience in the face of the market can help us better grasp the market opportunities.

3. Appropriate configuration

Asset allocation can effectively spread risks, reduce the fluctuation of the whole portfolio, avoid any losses, and help ordinary investors get higher returns for a long time. When the stock market fluctuates repeatedly, it is suggested that you control the position of partial stock funds and increase the ratio of fixed income or fixed income+fund in a timely manner, because stocks and bonds have a certain negative correlation, which can better smooth the fluctuation of portfolio.

There are not only risks but also opportunities in the shock. Maintain an indifferent attitude, choose suitable investment methods such as fixed investment, insist on long-term investment, and pay for the return.

In the past two years, the returns of funds purchased by many investors are generally unsatisfactory. What caused the large losses of most funds? Mars, an analyst at Shanghai Securities Fund Evaluation Center, pointed out that, first of all, the essence of fund products is the combination of securities, and the performance of fund income is closely related to the performance of the underlying market. In the continuous decline of the stock market, it is difficult for equity funds and hybrid funds, which mainly invest in stocks, to achieve positive returns. In the case of rising stock market, most partial stock funds can often achieve positive returns. Therefore, it is impossible for funds to create myths and create high positive returns in the continuous decline of the market in recent years.

From the long-term performance, in most cases, the overall performance of funds is better than that of individual investors, especially in bull markets and volatile markets. For example, in 2006 and 2007, more than 80% of equity funds achieved a return of more than 100%, while the proportion of individual investors was less than 20 12 years. Nearly 50% of equity funds have achieved a return of 5% to 30%. According to the survey, more than 50% of individual investors have lost between 5% and 50%. Therefore, the fund is still a good investment tool for individual investors to participate in the capital market.

All kinds of problems, whether China's stock market construction, economic development or asset management industry, can't be eliminated in a short time, and all need the rationality of the market as a whole to promote it. However, as investors themselves, we must measure our risk tolerance clearly and not blindly listen to the propaganda of sales staff. If your risk tolerance is weak, or the funds you want to use in the short term, you can't invest too much in a single stock fund to avoid being greatly affected by the risk of stock market fluctuations. Therefore, for individual investors, it is more meaningful to have a long-term investment mentality, choose appropriate fund products according to their own risk tolerance and renewal, avoid excessive pursuit of popular funds with outstanding short-term returns, pay more attention to funds with relatively stable long-term performance, and spread risks through fixed investment and portfolio allocation to obtain long-term stable returns.

Precautions:

First, we should pay attention to arranging the proportion of fund varieties according to our own risk tolerance and investment purpose. Choose the fund that suits you best, and set an investment ceiling when buying partial stock funds.

Second, be careful not to buy the wrong "fund". The popularity of funds has led to some fake and shoddy products "fishing in troubled waters", so we should pay attention to identification.

Third, pay attention to the post-maintenance of your account. Although the fund is worry-free, it should not be left unattended. Always pay attention to the new announcements on the fund website, so as to have a more comprehensive and timely understanding of the funds you hold.

Fourth, pay attention to buying funds, and don't care too much about the net value of funds. In fact, the fund's income is only related to the net growth rate. As long as the fund's net growth rate stays ahead, the income will naturally be high.

Fifth, we should be careful not to "love the new and hate the old" or blindly pursue new funds. Although the new fund has inherent advantages such as preferential prices, the old fund has long-term operating experience and reasonable positions, which is more worthy of attention and investment.

Sixth, we should be careful not to buy dividend funds unilaterally. Fund dividend is the return of investors' previous income, so it is more reasonable to change the dividend method to "dividend reinvestment" as far as possible.

Seventh, we should pay attention not to talk about heroes in the short term. It is obviously unscientific to judge the pros and cons of the fund by short-term ups and downs, and it is necessary to make a comprehensive evaluation of the fund in many aspects and conduct a long-term investigation.

Eighth, we should pay attention to the flexible choice of investment strategies such as steady and worry-free fixed investment and affordable and simple dividend transfer.

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