This year, many fund investors have embraced the medium- and long-term investment philosophy. The personal wealth management center of the Industrial and Commercial Bank of China (ICBC) Gansu branch reminds investors that investing in funds for the medium and long term is not simply holding a single fund without making any changes; some skills need to be mastered.
Firstly, under market conditions with significant volatility, adopt a strategy of replenishing your investments in batches.
Secondly, it’s important to make appropriate fund conversions based on market trends. In volatile markets, index funds, QDII funds, and funds with aggressive investment strategies often experience large declines. Using the "fund conversion" feature to switch these into money market funds and bond funds can help avoid some risks. Conversely, during rising markets, you can perform opposite fund conversion operations.