Hello! I'm Yi Yuanji, and I'm glad to answer this question.

Suppose you 1 10,000 yuan to buy a fund, and the income is 14%, so now you have1.140,000 yuan. If you don't sell it, it will fall, and the income will become 10%, so now it is1.100000 yuan.

After selling, you get 1. 1.4 million yuan, and buy it at a certain position. It fell again after buying it. What you see in your income is a loss of 4%, and the book may still be 1. 1 ten thousand yuan.

Will these two results have different psychological effects on you?

Of course, some people will say, I'll sell it and find a lower price. This ideal state or practice is what everyone who enters the financial market wants, and the probability of realization does not exceed 10%. It is equivalent to a one-tenth chance that you may buy a relatively low position again. In fact, the probability may be lower.

Most people who lose money in the stock market are actually gambling with the market with this idea. The ultimate winners can only be those who have the core information or superhuman skills. If you were such a person, you might not ask this question.

Furthermore, for the same fund, it is a great loss to speculate back and forth like this. There is a high probability of making a mistake in gambling. Why do you have to do this?

It's not that you can't think like this, just want to know what your trading strategy is before you do it. Can you still believe that this strategy is correct after an operation? The question can be translated into: is the success rate of trading according to this strategy over 80%? What evidence do you have?

If you can't give satisfactory answers to these questions, then it is not recommended that you exchange them in the way you ask before buying!

Huide is determined to practice the visible road of financial freedom with like-minded people through an open investment strategy. There may be obstacles and mistakes, but I firmly believe that I will succeed if I go on. Let's work together to build a money-making machine for ourselves and achieve our free life!

Thanks for reading this article! !

Hehe, that's a good question, which represents the voice of a large number of new citizens around me.

Buying funds rose by 14%. I totally understand that you want to redeem it. Just like stocks, if you don't sell them, the ups and downs will always be on paper, which has nothing to do with you. Only by selling and redeeming can the final judgment be made, whether it is to earn or lose.

Buying funds suddenly rose by 14%, much higher than the bank interest rate, which reached your psychological expectation. At this time, redemption is understandable.

But if you are hesitant to continue to buy this fund next time, I hope you will consider it comprehensively:

First, how healthy is your fund? What is the level of fund managers? What kind of fund does it belong to? Is the market over? Is the general environment of the stock market upward or downward?

If the market of this fund has been very good, steadily spiraling up, with strong resilience, high visibility of fund managers, high operational level and bright prospects, you might as well keep it first, otherwise it will be like eating sugar cane from the end, and you will miss the sweetest part. For example, when my fund rose to 40% on National Day last year, I was a little anxious to redeem it. I was quite satisfied at first, but I didn't expect it to climb directly to 75% until the Spring Festival this year, which means I missed nearly half of the profits.

If this fund is not very good compared with other funds, the development prospect is uncertain and the fund manager is unknown, and finally it will rise to 14%. I suggest you redeem it and don't touch it again. Last year, a friend of mine said that she had a fund for two years before. In September, when everyone was crazy, she returned to her book. At that time, I suggested that she redeem the fund, but she took good advice and earned more than 30% before the Spring Festival. Finally, she tasted the relaxed happiness of not hanging on the crooked neck tree.

However, from your description, I can see that you are quite satisfied with the fund you bought. If the trend is not over and you have no better alternative fund, I suggest you hold it. If you think it has reached a relatively high point, then redeem it decisively. Next time you want to buy, you must hold your horses, don't redeem it casually, go in blindly in a few days, and wait for a few big drops anyway, so as to maximize the income.

For example, the wisest thing to do is to sell it before the Spring Festival last year and then continue to buy it back in April this year. (sell at the highest point, buy back in the rising period)

The stupidest operation was to sell it on New Year's Day last year and then buy it back on the first day of the Spring Festival. (Missed the surge in February and caught up with the plunge in March and April)

Of course, we have no hindsight and are not gods. It would be great if we could take a middle value between wisdom and stupidity.

For example, I sold it on the first trading day after the Spring Festival and bought it back at the end of March (only caught up with the one-day plunge, but bought it back a little early)

The fund you bought can rise by 14%, which means it is an excellent fund and can bring you good returns.

As for your question, will you continue to buy this fund next time after you want to redeem it?

First of all, it is also very good that you can choose from more than 6,000 funds, which can only bring you benefits. If you continue to be optimistic about this fund in the later period, you can buy it in batches every time you call back. The growth of funds is not a matter of one and a half days, and the development of fund companies is not a matter of one year or two.

Just like me, all the funds I bought achieved a yield of 20%, and by the end of the year, I had put all these gains in my pocket. Treat yourself with these benefits as year-end awards.

Then the next trading day, I will continue to invest in these funds. Because it was difficult to choose from thousands of funds at that time, I was very optimistic about their later development. So, I will continue to buy! ! !

As we all know, a fund should stop making profits, but many people are a little confused about when to stop making profits and how to invest after stopping making profits. Let me briefly talk about several commonly used profit-taking strategies and investment methods after profit-taking

Let's talk about profit-taking strategy first. There are five common methods:

First, set the take profit line. The so-called take profit line is to set a good rate of return at the beginning of the purchase of funds, redeem the departure, and let the income fall into the bag.

Let me start with a case. Suppose the set profit-taking line is 10%, which means that the fund will be redeemed when it reaches 10%.

Fund A has been bought for two years, and the cumulative rate of return reaches 10%. Do you want to make a profit at this time? I think we can consider holding it temporarily. Because its annualized rate of return is only 5%.

What's the problem here? The annualized rate of return is a supplement to the cumulative rate of return. When the fund has a long term, such as more than one year, it is not objective to judge whether it is profitable with the cumulative rate of return. It ignores the time cost and needs to convert the cumulative rate of return into annualized rate of return for evaluation.

When setting the profit-taking line, people often pat their heads, which makes it easy to miss the bull market. This leads to another profit-taking strategy: profit-taking method.

Second, when the income take profit method enters the bull market, the income of the fund may be the same every day, and we only need to redeem the income of the fund. For example, if the increase is 10% this month, the fund with 10% will be redeemed, and if the increase is 10% next month, it will be redeemed again.

The advantage of this is to collect income in time. If it rises by 100%, it is a capital preservation fund, and no matter how much it falls in the future, it will have its own income. But there is also an obvious disadvantage, that is, when bulls and bears alternate, your principal will bear the risk of falling.

If the market is good, you can use the profit-taking method to make the income fall into the bag. If the market is almost worse, then take the method of falling back and taking profit in time to ensure the income as much as possible.

Third, the profit-taking method is based on the already good rate of return. If you redeem it all, you may miss the dividend of the bull market. If you don't redeem it, you may spit out the hard-earned money.

At this time, we will monitor the next trend of the fund. In case of decline, 10% will be redeemed. The more you fall, the more you redeem. At the same time, combined with the income take profit method, the income will be redeemed if there is income.

Fourth, the investment sentiment take profit method has to be said that whenever it comes to fund take profit, it is generally aimed at fund types such as stock funds and index funds with large fluctuations in income. Monetary funds and bond funds are relatively stable, and the income level is basically only related to time.

Since we talk about stocks and indexes, we have to mention the issue of market sentiment. Because the fluctuation of stock and index is not only related to the development of the enterprise itself, but also directly related to the participation of shareholders.

When you are talking about stocks and capital markets everywhere, you can consider redemption and take profit. Because at this time, there is a high probability that there will be an organization to cut leeks. If you don't leave the field, you may gain something.

After the take profit operation, should we consider the next round of investment, or wait for the net value of the fund to fall before continuing to buy? Or directly choose other funds?

Re-investing after making a profit, the focus is not on choosing the original fund or choosing another fund. The key point at this time is to determine the admission time and initial position.

If the original fund is still low, there is no problem in choosing this fund. After all, I am familiar with it. If you are already at a high level, you can choose another fund with a relatively low valuation.

The essence of the fund is to suck low and throw high. Buy when the market is bad, sell after the net value rises, and leave successfully. We may not be able to predict whether it will rise in the future, but we can be sure when it will enter the market.

If it is a one-time investment, it is recommended to invest in two-thirds of the peak net value, and it is best not to invest all the money at once. This will not only avoid making the cost stand at a high level, but also seize the dividend generated by the further rise of the fund.

Summary: buying a fund is like farming, not only sowing, but also harvesting. Profit is gain. There are four commonly used methods to determine take profit: setting a take profit line, taking profit by income, taking profit by decline, and taking profit by investment sentiment. There are many methods, and the one that suits you is the best.

After making a profit, it is not so important to choose the original fund when choosing a new fund. The key is to find the right time node and investment location.

Say the most important thing three times first.

Don't buy redemption funds frequently! Don't buy redemption funds frequently! Don't buy redemption funds frequently!

Don't redeem a fund that has only increased by 14% unless the take profit of the fixed investment is 14%.

If you want to continue to buy this fund and want to sell high and suck low, it is even more wrong.

Because high throwing and low sucking itself means subjective judgment on the market. If you have subjective judgment, why don't you just buy stocks and point to the fund to do high selling and low sucking?

The situation of fixed investment is quite special, which will be discussed later.

In the case of non-fixed investment, if the increase of a stock fund is only 14%, there is no need to redeem it.

It can be said that the increase of 14% is very insignificant in the long river of any stock fund.

Of course, if you subjectively judge that the manager of this fund is incompetent and 14% should be redeemed, then it is recommended not to touch this fund in the future, because a fund with a potential yield of 14% is not worth holding for a long time.

In fact, there are some formulas and secrets for fund redemption and reinvestment, which are not taken for granted at will.

Today I will discuss the basic principles of fund trading from four aspects.

For the basic people, we must remember our own position, an investor who is relatively ignorant of the stock market, so we chose the fund.

In this case, we should be sensitive enough to the judgment of the market itself.

Behind the fund is a pile of stocks, and the rise and fall of the fund is affected by the rise and fall of this pile of stocks.

It can be said that every stock goes up and down differently.

Therefore, it is a false proposition for funds to do band. To put it bluntly, it is even more difficult than forecasting the market. Just by feeling, throw high and suck low.

Throwing high and sucking low by feeling is tantamount to gambling, and the result will naturally not be very good.

This is different from the fund's profit withdrawal, because we are looking for a low price to buy.

Once the fund is sold, most people will miss the fund, and then there will be no more, so they can only re-select the base.

You know, not all funds are so high-quality and can bring excess returns. If you miss a good fund, you may miss hundreds of millions.

Besides funds, don't do bands. There are two other funds.

1, don't chase the fund.

Compared with stocks, funds are not suitable for right-handed trading.

Because the fund's own layout is to the left, it is necessary to open a position in autumn.

On the way up, the fund will also buy, but it will not chase after the high, but chase after the rise on the way down.

This causes the fund to buy on the way up with high risk, while buying on the way down with low risk.

Excellent investment is anti-human, and excellent funds are also suitable for anti-market layout.

2. Don't do technical analysis of the fund.

Some citizens were originally investors and made a technical analysis of the fund.

There are even people who judge the withdrawal ratio and even see the fund's net value break through.

It is meaningful to break through the trend of individual stocks. It doesn't mean anything that the fund's net value breaks through a new high.

Technical analysis of the fund's net worth is sheer nonsense.

The more experienced citizens understand that the fund cannot be operated subjectively, the higher the overall fund income will be.

Many people like fixed investment, so fixed investment has a return of 14%. Should profit-taking stop?

First of all, it depends on what kind of fund you choose and how volatile it is.

To understand the essential principle of the fund's fixed investment, it is to share the cost of holding positions evenly through time and earn excess returns on the cost line through fluctuations.

All trading markets will have two-way fluctuations, but whenever the cost tends to average, there will definitely be unilateral fluctuations.

As long as you choose to sell at the peak, then the profit is inevitable, just the size of the profit space.

Of course, it will be easier to invest in the original market, because the bear is short and the long-term bear market layout cost is low. Now that it is short, the cost of the whole layout will be high, and the income from fixed investment will decline.

Therefore, the conclusion is that we must choose a fund with large volatility to make a fixed investment, so the probability of profit will be greatly increased.

We must keep in mind several elements of fund fixed investment.

1, index funds and industry funds have low risk and strong periodicity.

For the choice of fixed investment funds, it is recommended to be partial index and partial industry fund, which is more suitable for novices.

This kind of fund will have a weaker choice of fund managers, lower related expenses and less risk.

The industry is cyclical, and there are always counter-cyclical and pro-cyclical, which is suitable for the layout of funds.

If you buy a comprehensive growth fund, if you encounter a poor fund manager, you may be devastated and unable to turn over.

2, bear market admission, with time cost layout.

There is a big difference between a fixed fund investment and a one-time purchase. To put it bluntly, it is actually unfavorable to go up after buying it.

Fixed investment takes time to accumulate investment principal, so don't choose the layout in bull market, and try to enter the market in the second half of bear market.

In the second half of the bear market, most stocks enter the value investment zone, and the foundation analyzes and judges through professional eyes, and then chooses the appropriate target to add positions.

When the bull market comes, these investment targets will give obvious excess returns.

3. Set profit and don't love war.

Finally, for the basic people who mainly invest in fixed investment, we must set up a take profit and sell it when the expected income is reached.

Give you a relatively simple method, that is, the maximum volatility *0.25%, which is a relatively suitable profit-taking rate.

For example, if the minimum net value of a fund is 0.7, the maximum net value is 1.4, and the volatility is 100%, then the potential rate of return of fixed investment should be set at 25%.

Simply put, the net fund value fluctuates between 0.7- 1.4, the average fixed investment cost will be between 1- 1.05, and the 25% yield will be between 1.25- 1.3 1.

If the historical volatility of the fund is low, then the yield of take profit should also be reduced simultaneously. If the volatility is too large, the yield can be set slightly higher.

The answer to this question is yes, whether the fund can continue to buy this fund after profit-taking redemption.

It's like whether you can buy a stock after you throw it away.

There are several preconditions that must be clarified.

1. This is a quality fund worth investing in.

A high-quality fund can bring long-term returns to investors.

You can understand that the first stage of investment is over and the profit has been taken out. Buying again is the beginning of the second stage of investment.

Judging whether a fund is of high quality mainly depends on its long-distance running ability.

If you find that this fund can always hit a new high after each retracement, then buy decisively after the next retracement.

Long-term comprehensive annualized rate of return is the most convenient index to judge a fund's long-distance running ability.

2. Don't buy back funds because of emotional pursuit.

The fund sold has gone up again, and I'm going to buy it back. This is obviously not the reason why you buy a fund.

The fund has no empty talk, only the value of continuous investment.

If you judge that this fund is worth investing at present, and it is not due to your subjective emotions, you can buy it back.

It's not because the fund has skyrocketed that you can't help chasing high admission.

Emotional stability, well-founded decision. Buy as a new fund, don't have ideological burdens.

3. Make a new profit-taking strategy again.

When buying a fund, you must set a profit-taking strategy. Even if you plan to hold it for a long time, you need to have a profit-taking strategy.

Buying the same fund for the second time also requires corresponding profit-taking strategies.

Either the rate of return takes advantage of it, or it encounters the "change" of the fund, such as changing the excellent fund manager to take advantage of it.

Profit-taking strategy is very important and defensive, which determines the success or failure of investment funds to some extent.

For most citizens, making profits in batches is the best way to make profits. The more you go up, the more you sell, and the more you fall, the more you buy.

Don't judge the position of the fund subjectively. If it goes up too much, it will definitely fall. If it falls too much, it will definitely rise. This is the law of the stock market.

With a good profit strategy, it is equivalent to adding a security lock to keep the money in the bag at the right time.

The fund itself is a long-term investment variety that reflects income and value.

Whether 14% of the income needs to take profit depends entirely on personal investment preferences.

But in essence, since you choose to undertake certain risks, the income expectation should be higher, at least 14% annualized, instead of 14% total return.

If the fund finally gets 14% after 2-3 years of investment, the annualized rate of return is actually low.

The long-term holding of funds is actually a semi-false proposition. Only good funds are worth holding for a long time, and investors are more willing to hold good funds for a long time.

So the fund finally returned to how to choose this issue.

The difficulty of this problem lies in which dimensions to refer to in order to select excellent funds worthy of long-term holding.

Give you several important reference indicators.

1, sharp ratio.

Sharp ratio is actually the risk-return ratio of investment.

It can be simply understood as how high the potential return is if I accept the same risk.

Theoretically, the higher the Sharp ratio, the better, but the longer the data reference period.

Because the reference value of Sharp ratio in a single year is not obvious, it may be caused by the fund manager's radical investment style and stepping on the right wind.

This is somewhat contrary to the goal of radical long-distance running.

2.α rate of return.

The so-called alpha rate actually refers to excess returns and absolute positive returns.

Simply put, the fund you choose is better than the same type of fund.

If other funds go up by 20%, you have to go up by 20-25%. If they fall by 20%, you have to fall by 10- 15%.

It is actually more difficult to go up and down, but some funds will still do it.

This depends on the position control of the fund and the choice of leading enterprises. This is an important embodiment of the value of fund managers.

3. Maximum withdrawal rate.

The maximum withdrawal rate is the most important risk control index.

The lower the maximum withdrawal rate, the better the fund does in risk control.

Of course, you can't have your cake and eat it. It is unrealistic to want high returns and low retreat.

The better the risk control, the lower the potential rate of return, so the maximum retracement data should not be too extreme, but also depends on the α rate.

Average annualized rate of return over 4.7 years.

Finally, the most clear average annualized rate of return.

However, the average annualized rate of return must run for at least one bull-bear cycle before an obvious conclusion can be drawn.

After all, some funds rose well in the bull market and fell badly in the bear market.

According to the seven-year bull-bear cycle of Shanghai Stock Exchange, the seven-year average annualized rate of return is the most valuable.

When choosing a fund, you must do it, the scenery should be long and eye-catching.

If you are new to the fund, you must remember to put the selection of the fund in the first place and the purchase and redemption of the fund in the last place.

Fund investment originally used idle money, so the probability of redemption at ordinary times is very low.

At the same time, fund investment is to give money to fund managers who are more professional than themselves, and they will decide whether the fund will stay or not according to professional judgment, rather than the subjective judgment of ordinary investors.

The essence of funds is the long-distance running of professional fund managers in the stock market, while Ji Min is more like a gambler.

If you are optimistic about a fund manager for a long time, you can hold it for a long time. When you no longer value him, you must change decisively.

If you feel that you have surpassed the level of fund managers and hope to maximize the benefits through high throwing and low sucking in operation, you may wish to try the stocks or ETF funds in the market to verify whether you have this level.

Frequent operation of off-exchange funds will not only cost more, but also cause unnecessary losses due to wrong judgment, which can be said to be not worth the candle.

Fund investment is no better than stock investment. I hope that all citizens can master the correct fund investment methods, earn money from the stock market through funds, and share the dividends of economic development.

If you are optimistic about this fund, but considering the external environment and economic cycle, you feel that the short-term risk is high and may fall. It is ok to continue investing after selling. If you feel that the cycle has passed, or the fund manager has changed, or the fund manager has changed his style, and you don't like it, then don't buy it again.

First of all, you need to know what kind of fund you are buying. There are many kinds of stock funds. The following are classified according to index types, such as broad-based index funds, industry index funds, investment styles, theme growth funds, and value selection funds. According to whether the timing is selected, it can also be divided into timing funds and stock selection funds. There are hedge funds, graded funds, and many subdivisions. The above classification is not rigorous. I only know that there are many types of funds, so I won't list them one by one.

Different funds have different operating strategies. Take hedge funds for example. You think such funds should pay attention to whether their long-term performance is stable and whether their exit is properly controlled. If all these are in line with expectations, you don't think it is necessary to choose a high probability time.

There are several common methods for operating strategies of general funds:

First, determine the position according to market or industry valuation. For example, the market or industry valuation is at a low level relative to the past history, so even if it rises, it does not have to be sold. Hold for a long time, waiting for the market or industry valuation to return.

Second, after you achieve a certain expected return in your mind, take profit and go out, similar to the idea of the current theme.

Third, the grid trading strategy is adopted, and every time it rises, it will be redeemed in batches according to the calculation of reaching a certain goal. If it falls, repeat the operation and gradually buy it according to the speed of decline.

I think the first method is more suitable for most funds, and the valuation level is relatively more reliable to determine the position level.

The second method, I think, is the lack of follow-up operation direction, because the income reaches a certain expectation, but this expectation will be greatly influenced by subjective factors, making the follow-up operation more difficult. It will be embarrassing to sell it and continue to rise.

The third way is suitable for the operation of ETF funds in the industry. The advantage of this operation is that it is difficult to be heavily placed, and repeated operations will get certain excess returns. The disadvantage is that most of the time you can't hold heavy positions, and the yield will also be affected, which is suitable for shocking the market. Unilateral market operation will be more difficult.

Therefore, if you operate according to the first mode, it is no longer recommended to buy back in the short term after redemption. The second mode is more about luck. If you operate in the third way, if it is not an ETF fund, you should consider the transaction cost more, which is not easy to operate. To sum up, I think the first method is relatively suitable for most funds. Incomplete, please correct me.

See what you think. If you are not in a hurry to use the money, you can keep it. Besides, what do you want to buy after redemption? If there is a better fund choice, redeem it. If there is no better choice, you can continue to hold it at present.

I'm glad to answer your question. Can the fund increase by 14%, then redeem it and buy it next time? I mainly tell you from the following points. First of all, the fund is a long-term investment and wealth management product, and both trading and buying require handling fees. Generally, the buying fee within 500,000 yuan is about 0. 1% to 0. 1.5%, and the selling fee within 7 days is 1.5%, which can be said to be quite high. So be sure to keep an eye on this fund for a long time when trading, at least for a week. Second, the fund can increase by 14%, which shows that the fund manager's ability is ok. Holding shares is also a high-quality stock, which can predict risks and withdraw funds. When the market is good, they can take the initiative to buy a large number of stocks they hold, and finally let the people who buy funds have a good income. Third, the past performance of the fund mainly depends on the performance of half a year, one year, two years or even longer, and then analyze the data and then look at the fund sector. If the plate exceeds10 billion, it will be difficult for fund managers to operate. Finally, it depends on whether the fund manager is replaced for a long time. Changing the fund manager for a long time will affect the performance, indicating that the fund manager is not competent enough. Look at the above aspects and see if this fund is worth buying. If a fund rises much, it will naturally be adjusted back, and buying after the adjustment is also a good choice. The premise is that we must be optimistic about this fund for a long time. I hope my answer is helpful to you. thank you

Of course, you earned 14% in this fund, which means it can still make money for you.

As for your 14% profit, it is understandable that you want to redeem it.

Because no foundation has been making money, it will fall if it rises more, and it will rise if it falls more.

Do you think this fund earned you 14%? If you are satisfied, you can exchange it. When it falls to the right price, you can start again.

Just like I won only one medical fund some time ago, I set a rule for myself that every 25% profit of the fund will be redeemed 1/4.

Therefore, I have made a profit-taking operation according to the rules some time ago, and my fixed investment continues.

As can be seen from the above figure, the holding rate of return and the holding rate of return are different. That's because I made a profit once when I held a yield of 25%, and it was still rising during this period, so my holding yield is currently 32. 12%, and the holding yield is 43.82%.

Since this fund is profitable, it shows that it is still a good fund. Since it is a good fund, why should it be redeemed?

The main thing is to let some profits fall into the bag, because there are too many uncertain factors in the future, and no one knows whether it will rise or fall tomorrow. Now that my current rate of return has reached my psychological expectation, I will put the profit into my pocket.

So you can also redeem it when you reach your target rate of return and buy it back when you think the price is right.