(1) You must be cautious when entering the market

You must be cautious when entering the market, that is, rational analysis and pre-planning that combines macro and micro should be carried out in advance to effectively identify crises. Before investing in funds and entering the market, investors should make calm decisions: First, they need to objectively analyze the national policy orientation and industry development situation of the year in which the fund company is planning to invest. This is the basis for the strategic decision-making of funds investing in financial management crises. We should be fully aware of the policy and environmental crises that may exist in the coming years. That is, fund companies with good returns in previous years do not mean that their investment returns will always be good in future years. At the same time, it should be noted that fund investment, like stocks, also has bubble problems and the risk of uncertain returns. Second, attention should be paid to understanding the professional structure of the fund company's management and the background of the company's growth, and observing whether the fund company's management quality and investment strategy are worthy of expectations. In recent years, the scale of my country's funds has expanded rapidly, posing great challenges to the financial management investment capabilities of fund companies. It will take time to prove whether their financial management capabilities can withstand such huge investment enthusiasm from residents and create stable and generous returns for investors. . Therefore, you must not blindly buy funds that you do not understand. Third, we should implement advance mid- and long-term planning based on our own financial management needs and reasonably predict our crisis tolerance. That is, before investing, personal financial resources should be reasonably allocated and fund investment products should be rationally selected. If the investor's financial situation is relatively comfortable and can bear a higher risk, a more radical short-term investment strategy should be adopted. On the contrary, a relatively stable long-term investment policy should be adopted. (2) It is advisable to remain calm when it comes to the market

It is advisable to remain calm when it comes to the market, that is, investment in fund portfolios to resolve crises should be implemented and the crisis should be avoided rationally. Specifically:

First, it is necessary to rationally allocate complementary fund investment portfolios to effectively resolve investment crises. Today, fund investment mainly includes four types according to objects: stock funds, hybrid funds, bond funds and money market funds. Among them, stock funds have the highest risk, followed by mixed funds, bond funds have smaller risks, and money market funds have the lowest risk. Investors' fund investments should be reasonably allocated among fund types with different risks and construct their own fund portfolios, which can offset some unavoidable crises. Do not invest all your money in a certain type of fund, and try to avoid choosing the same type and style. funds and funds with the same operating philosophy.

The second is to pay attention to timely adjustment of switching fund investment objects to maintain the stability of overall income. Because different fund companies have different business investment strategies and different capital scales, investment returns naturally vary widely. Investors' fund portfolios should not be static. The difference in the rate of return of different fund companies should be used to adjust the fund portfolio in a timely manner to further disperse the crisis and increase returns. That is, you need to regularly review the performance and performance of the funds you invest in based on your own financial situation and crisis tolerance, and under the guidance of professional investment consultants, appropriately implement the conversion of fund investment objects, including promptly selling those funds that have operational management errors or loopholes. , or funds issued by fund companies that have illegally speculated and have become weak, choose the opportunity to buy funds issued by newly established or established fund companies with good performance, strong background and strength.

Third, holding funds should have confidence and patience, and adhere to the long-term and stable value investment concept. A large number of statistical studies at home and abroad have shown that long-term investment in the stock market is the best way to maintain and increase the value of assets. Since short-term market fluctuations are difficult to grasp and the related expenses of open-end funds are relatively high, frequent entry and exit in the short term may not necessarily lead to greater gains. Good return on investment.

Therefore, investing in open-end funds should focus on the long term. When the national economy is overheating and inflation is running at a high level, and the economic structure needs to be controlled and adjusted, the stock market and fund market may not sing triumphant songs all the way, and may even be in a state of sluggishness for a long time. Investors should pay attention to the cycle of fund investment. Be mentally prepared for sexual adjustments. At this time, the best way is to hold the funds you own for a long time.

In addition, if the return rate of the fund fluctuates frequently during the period of holding the fund, sometimes rising and sometimes falling, the average fund investment income is not as good as expected, and the actual interest rate of bank deposit and loan interest rates in the market during the same period is lower than the inflation rate, and there is no other possibility at this time. When there is a better investment opportunity, you can still choose a fund company with a larger capital scale to invest. (3) Delisting should be decisive

Delisting should be decisive, that is, we should judge the overall situation and make expedient changes to proactively get rid of the crisis. Although investing in funds is a "lazy" way of managing money compared with investing in stocks, investing in a fund does not mean you can just leave it alone. Investors who purchase fund products should still take proactive tracking and management measures, and Always pay attention to the fund's fundamentals, fund information, changes in fund net value, etc., and decide the timing of delisting. For example, once the net value of the fund drops, investors should choose the timing of redemption based on specific conditions. There are many situations in which the fund's net value may decline, which may be temporary or long-term. Therefore, when the net value of the fund drops, investors need to make careful judgments to see whether the decline in the net value of the fund is due to long-term changes in the market situation or major changes in the fund management company. If it is the latter and there are no signs of improvement in the short term, investors should consider selling the fund. If the market situation changes, it is not appropriate to make hasty investment decisions.

Because market changes are unpredictable, the decline may be long-term or short-term. If you sell a certain fund in a hurry because the price of the fund has fallen, ignoring the future rising opportunities of the fund, this approach will turn the short-term market situation into a permanent loss. Furthermore, if the income of the fund during the period of holding the fund has significantly exceeded the investment expectations, and if there are signs that an inflection point in fund growth will occur, even if the fund market is still booming at this time, you should stop when the gains are good and do not be reluctant to fight. Because at this time the crisis may not be far away or has already arrived.