Affected by market adjustment, the net value of many funds fell by more than 20% after the Spring Festival holiday. Many investors who have just entered the market will inevitably be a little scared when they buy quilt covers at stage highs. Bian Xiao was singled out here. How long will it take the fund to buy at a high point before it can return to its capital for your reference? I hope everyone will gain something in the reading process!

Buying at a high point every year takes an average of 25 months to return to the capital.

Xingquan Fund made a set of calculations on historical data with partial stock fund index, reviewed the historical data of 10 years after the establishment of partial stock fund index in 2008, and calculated the time required for investors to return to their capital after buying funds at high points every year.

Specifically, if you buy a fund at the stage high point of 2008, that is, 5497.9 points of the Shanghai Stock Exchange Index, it will take 86 months for the investment to return to its capital by March 8, 20021year, which is also the highest point of the Shanghai Stock Exchange Index1year. 20 15, the Shanghai Composite Index hit 5000 points again. If you buy a fund at the highest point of 5 166.4, you can recover your investment in about 6 1 month.

The data shows that in the case of a single investment, if you buy a fund at the highest point every year from 2008 to 20 18, as long as you are willing to hold it for a long time, you will always return to your capital, but the return time is long and short, with an average return time of 25 months.

For investors, buying a fund is to gain income. If you buy at a high point every year, how long will it take for the final holding rate to exceed 20%? The data shows that on the whole, it takes an average of 45 months to buy a fund at a high point every year and want a single investment yield of more than 20%. Among them, it takes 87 months to buy a fund at the 5497.9 point of the 20 18 Shanghai Stock Exchange Index, and the return on a single investment wants to exceed 20%; 20 15 Shanghai Composite Index 5 166.4 It takes 68 months to buy a fund, and the yield can exceed 20%.

Fixed investment when the market falls can dilute the buying cost of investors, speed up the withdrawal of investors' funds and gain income. The data shows that if you invest 654.38+00000 yuan at a high point every year, and insist on a fixed investment of 2000 yuan at the end of each month from the end of the month, the average return time will be shortened from 25 months to 654.38+03 months, and the average time to get more than 20% return on investment will be shortened from 45 months to 36 months.

Especially in 2008, 20 15, when the market pulled back sharply, the value of fixed investment became more and more obvious, and the speed of withdrawing funds was obviously accelerated. Specifically, it takes only 18 months to buy a fund at the high point in 2008 and 28 months to buy a fund at the high point in 20 15.

Fund investment needs to slow down.

The research director of a fund company in Shanghai is quite emotional: "The high income of the fund in the past two years has made many people who have never been exposed to the fund start to buy funds, and the fund has entered the public eye, which is a good thing for the industry. However, many new investors hope to get high returns in the short term, which is unrealistic. Moreover, the market has fluctuated greatly recently, and many investors are panicked and redeemed at a loss. In this regard, we feel particularly sorry and regretful, because in the long run, the return brought by the equity foundation is good. "

The research director also gave a set of data: since 2003, as of March 8, 20021year, the annualized rate of return of the hybrid fund index interval was 15.26%. Even by the end of 20 18, when the Shanghai composite index is less than 2500 points, the annualized rate of return of the hybrid fund index exceeds 12%.

In such a volatile market, how should investors who buy at the high point of the stage respond? Xingquan Fund said that no one can accurately predict the bottom of the market, and it may be a good choice to implement the fixed investment plan step by step to deal with market shocks. If investors find themselves buying at a relatively high level after entering the market, there is no need to regret it. On the one hand, excellent managers have the opportunity to create medium and long-term excess returns; On the other hand, investors can also insist on fixed investment when the market falls, diluting the cost of buying at a high level in the previous period.

"At present, some core tracks on the market are already crowded and the valuation is relatively high, and there may be great fluctuations in the future." Zhou Weiwen, a veteran of China Europe Fund, suggested that investors can diversify their investments and invest for a long time, instead of blindly pursuing explosions. They can choose a number of products with stable long-term performance and managed by different fund managers to hold for a long time, or they can buy them with fixed investment. The investment amount is small and does not occupy too much money, which can also reduce the impact of market fluctuations.

In Zhou Weiwen's view, in the past, fund holders felt weak because most people bought funds at bull market highs, few people bought funds at the most valuable market lows, and fund holders didn't hold funds for long enough. After more than 20 years of market cultivation, buying Public Offering of Fund has gradually become an important direction of long-term financial management, and the rate of return of fund holders will be closer to the fund. For ordinary investors, buying Public Offering of Fund and holding it for a long time will get a good return. However, long-term investment is not necessarily as long as possible. When there is obvious bubble, you can consider changing the package in stages.

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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