Recently, the whole market is shouting "Niu", and many funds in investors' accounts have begun to turn losses into profits, and even achieved good returns. At this time, the problem that troubled the people came.

"My fund has returned to its original value. Should it be redeemed now? "

"Get off too early, empty, regret! When is the right time to get off? "

"It has become crazy in recent days. Should I clear the warehouse? "

So, when is it appropriate to redeem the fund?

Of course, there is no standard answer to this question. It needs to combine its own situation and market changes to make the final choice.

Today, let's analyze when partial stock funds will be redeemed, that is, those funds that mainly invest in stocks.

1 Did you reach the target rate of return? It is best to set an expected rate of return in advance before reaching the fixed investment of the instant redemption fund. Once the goal is achieved, it must be redeemed immediately and the bag should be safe.

Investment is the most taboo of greed, and no one can earn the last copper coin in the market.

However, the target rate of return is not generalized and needs to be set according to the individual's risk preference and fund type. After setting, it is necessary to develop the habit of observing investment discipline.

So what is the reasonable goal of expected rate of return? This will vary from person to person. If your investment style is conservative, you can set a lower target, such as 10% to 20%; If your investment style is extreme, you can set a higher goal, such as 20%-30%.

It should be noted here that although the fund shares held have been redeemed, the original investment plan does not need to be stopped. Unless the fund products themselves have problems, they can continue to vote. In addition, the redeemed money can be used to invest in another fund or increase the fixed investment quota of the original fund.

Buy low and sell high. This is the most ideal trading mode that almost all investors expect: the market buys low and the market sells high. The advantage of this method is obvious, that is, it can earn the maximum return of market rise.

In fact, frequent buying and selling of foundations increases investment costs.

If investors really have their own unique understanding of the market and can increase their investment income in short-term band operations, then they can consider timely redemption.

However, most of us don't have the ability to judge the market trend. Some people may feel that they have the ability to judge the market trend, but after a long time, they will find that this is just an illusion, because the market is changeable due to multiple factors.

Therefore, the fluctuation of the fund should be tolerated! As long as it is valuable, it is worth holding, lowering expectations and reducing agitation. The investment base should be optimistic, the market has long been an optimist, and optimism can avoid the sacrifice before dawn.

There are many ways to redeem the fund decisively when these problems occur, such as changing the fund manager; Fund managers change their investment style; And the emergence of "mouse warehouse" and so on.

Most of these problems are related to the fund manager, so they are generally aimed at partial stock funds, and the fund manager is the "soul" of the fund. If there is a problem, it should be redeemed decisively. But if you invest in index funds, there will be no such problem. Because fund managers have little influence on index funds.

4 Is there a better investment target? If there is a more suitable investment target at present, you can consider redemption. Since the beginning of this year, the sharp fluctuation of the market has not only given investors a vivid risk education lesson, but also helped investors to carefully examine their own fund pool.

On the one hand, some investors may choose investment products that are higher than their own risk ability because of herd mentality, so the recent market fluctuation is a better period to examine themselves. After returning to the capital, you can redeem it appropriately and re-select the investment target that suits you.

On the other hand, investors can also consider their own pool of funds and leave really good funds.

Finally, I would like to remind you that when you prepare for redemption due to objective needs, the market price at that time has already started to fall, and your redemption price may not be the most satisfactory. In addition, because most funds are not as easy to cash out as stocks, it may take several days to get cash after the redemption procedure is completed. For the above reasons, investors had better start to consider the redemption plan in advance.