For retail investors who participate in investment, many people will hold stocks by holding funds, and most people will also choose to invest in active funds. To some extent, fund products can't go up forever, and most fund products will have different degrees of callback. We need to correctly look at the callback phenomenon of fund products and judge whether it is necessary to add positions or stop losses in this way.
First, not all fund products will rebound in time.
There are more than 4,000 stocks on the market, but there are already more than 8,000 fund products on the market, which means that the selection of fund products is as difficult as stocks. Although it is generally believed that the investment risk of fund products is relatively low, if a fund product itself has no investment value, it may not make investors return their capital for 1~3 years.
Second, the callback of most fund products will rebound.
The loss of fund products is 18%, which is actually a very normal phenomenon, because the highest withdrawal rate of many stock fund products is above 20%, and the highest withdrawal rate of some fund products has reached 40%. If the corresponding investment strategy has been formulated, you only need to add positions or wait according to the investment strategy. Not everyone can buy the low point of fund products, which means that it is very normal for emerging products to have floating losses.
3. What is my personal suggestion?
I suggest investors choose their investment strategies according to their actual investment background and investment needs. Some people will stop loss in time when the fund retreats, and some people will choose to continue to add positions. If the fund products you hold have no major fundamental problems, you are also very optimistic about the market outlook. You can completely reduce your holding cost by adding positions and pay more attention to the medium and long-term trend.