基金定投会亏本吗,买基金亏本了,如何利用基金定投解套?

作者: 发布时间:2017-12-09 17:19:06  来源: [手机访问]
导读: “解套”这个话题,想必人人都关心吧。尤其对于一些基金小白来说,可能都有过类似这样的投资经历:——市场蹭蹭蹭往上涨,感觉牛市来了,一次性买入X万某基金!果
基金定投会亏本吗,买基金亏本了,如何利用基金定投解套?

买基金亏本了,如何利用基金定投解套?

“解套”这个话题,想必人人都关心吧。

尤其对于一些基金小白来说,可能都有过类似这样的投资经历:

——市场蹭蹭蹭往上涨,感觉牛市来了,一次性买入X万某基金!果然!没2个月就赚了30%。然而,没高兴多久,市场急转向下,不到1个月收益全部蒸发。不甘心收益就这么没了,一直持有,市场跌跌不休,亏幅越来越大,从-20%到-30%......

——熊市中定投了一只基金,无奈市场跌跌不休,资金积累了不少,浮亏也越来越大。害怕市场没完没了的跌,就暂停了定投,一心只想着回本.......

以上两种行为可取吗?一个大写的NO!

一次性买入需要止损。一旦市场反转,下跌趋势形成,就要赶紧离场,即使亏损也要出来。否则,在A股漫漫熊途中,会亏的更多,回本可能要等到“猴年马月”了。但是对于定投,如果不是投资标的的问题,面对市场的跌跌不休,切忌停止定投。只有不断摊低成本,回本才会越有希望。

可能有人会问:如果当时没有采取正确的做法,被套牢了怎么办?有什么方法可以解套吗?有。今天,我们就来聊聊基金亏了如何解套。

一、利用基金定投解套

说起解套,也只有加仓了。

举个例子:一只股票买入价20元,买入10手,中途跌至10元,亏损50%。如果在10元的时候再买入10手,成本就被摊低到15元,此时亏损33.3%。只要股票反弹至15元以上,就能回本,如果涨到20元,则赚33.3%。但如果不在低位加仓,只有当股票涨至20元才能回本。当然,如果股票继续跌,还可以继续加仓。

道理很简单,低位买入可以摊低平均成本,只要市场反弹,就能快速回本。基金解套也是如此。

假设已投入12万,亏损30%。通常的加仓解套方式是:再投入12万。注意:如果投入太少,比如2万,则起不到摊低成本的作用。那么,是一次性买入(逢跌加仓)呢?还是采取定投的方式?

逢跌加仓涉及的变量太多,包括跌多少加仓?加仓多少?如果加仓后市场继续下跌,怎么办?等等。因此我们建议,将复杂的事情简单化,可以利用定投分批进场,可以摊低成本,省心省力的同时还能分散风险,最重要的是投资者的心理压力不会太大,不用去看今天市场跌了还是没跌,更容易执行下去。

二、具体怎么解套?

先给大家介绍一种方法:如单笔买入某基金12万,现在已经亏损30%。这时可以启动该只基金的定投,每月扣款5000元(12万/24=5000元,分子是单笔买入的总金额,分母都是24个月),如果比5000元多,那效果会更好,如果比5000元少,那效果就递减。

如果资金量允许的话,还有一种方法,其它条件不变,但是每月扣款为6000元(12万*5%=6000元,即单笔买入总金额的5%,这个5%系数大家可以根据自己的风险偏好、资金情况灵活调整,比如你风险偏好较强、后备资金充实、能判断市场下跌空间已经有限,可以增大这个系数)。这种方法更激进些,效果会更好。

注意:以上方法仅介绍了单笔买入亏损30%的情况,已经停扣的定投也同样适用,只要把“单笔买入的总金额”换成“定投总投入金额”即可。

买基金亏本了,如何利用基金定投解套?

、基金定投解套的效果

说完了具体如何解套,下面来举例说明定投解套的效果。

假设2011年2月底单笔买入12万南方中证500ETF联接A,买入时基金净值为1.2661元,无奈买入后市场跌跌不休,在2011年12月底就亏损高达30%。

1.如果定投解套,当亏损30%时,即在2011年12月底启动定投,每月扣款5000元(12万/24)。

如果一直持续定投,定投31期后(累计定投15.5万),即在2014.7.28解套。其中单笔投资亏损-23392元,定投获利26473元,这样综合下来最后仍能获利3081元。如果只是定投24期(累计定投12万),虽然仍然在2014.7.28解套,但仅获利374元,且后续收益差距越来越大,因此建议一直持续定投,直至解套。

2.如果不定投解套呢?当基金在2015.1.5净值为1.2737时才能解套,且仅获利720元。

可以发现:采取定投解套的话,解套时间提前了5个多月!并且,如果采取定投解套,到2015.1.5,不仅单笔投资获利720元,定投获利71766元(定投收益率46.3%),综合获利72486元!

买基金亏本了,如何利用基金定投解套?

数据来源:wind、好买基金研究中心,采用复权累计单位净值测算,未考虑申赎费用

要说明的一点是:并不是任何基金采取定投解套后都能提前好几个月解套,具体可以提前多久取决于市场行情和基金净值的走势。尤其当定投处于“微笑曲线”左端时,效果更好。但毋庸置疑的是,相比干巴巴等着基金回本,采取定投的方式肯定能让基金提前解套,且获利更多。

为什么这么说呢?来看下定投解套的原理

根据投资经验,当亏损30%、40%时,也差不多在相对低点了。这个时候如果什么都不做,只等着基金回本,等多少年也未可知。而如果趁着低位开始定投,捡大量廉价筹码,一旦基金反弹,定投就能获利,且随着基金上涨,定投带来的收益就可以弥补单笔亏损,进而解套。并且在低位定投不会看到很大浮亏,心理压力小,也更容易执行下去。

最要有几点要提醒大家:

1)不管是单笔买入的基金,还是已经停扣的定投基金,当该基金业绩变差(基金基本面恶化)、或者未来前景不佳时,而不是整个市场的系统性问题,建议就不要浪费钱解套了,不如把这笔钱花在更值得的基金上,也就是这时候你要考虑换基金了。

2)最重要的,也是本文开头就提到的,首先避免套牢,如果万一套牢,再采用该方法解套。

总结

不管是单笔投资、还有已经停扣的定投基金,当亏损30%时,可采取定投的方式解套。每月扣款金额可以是总投入金额/24,也可以是总投入金额*5%。趁着低点开始定投,一旦基金净值反弹,定投就能获利,且随着基金上涨,最终定投赚的钱会弥补单笔亏损。

如果您想了解更多的理财热点,学习更多接地气的投资理财课程,想参与我们的直播、并与我们的讲师互动,一定要关注“好买商学院”微信公众号(howbuyIE),很多和你一样的投资人在等你哦~

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}, shareInfo: { shareUrl: 'https://m.toutiao.com/group/6496985506453127693/', abstract: '“解套”这个话题,想必人人都关心吧。尤其对于一些基金小白来说,可能都有过类似这样的投资经历:——市场蹭蹭蹭往上涨,感觉牛市来了,一次性买入X万某基金!果然!没2个月就赚了30%。然而,没高兴多久,市场急转向下,不到1个月收益全部蒸发。
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