The target rate of return method is a simple and easy-to-operate profit-taking method. This method only needs to do one thing, which is to determine a target rate of return. Once the fixed investment rate of return exceeds the target rate of return, you can take profits. Today, Bian Xiao will share with you the target rate of return method of fixed investment, taking profit, for your reference only!

Fixed investment to take profit is to set the profit target according to the increase, position and valuation of the index, such as setting the profit-taking point at 20%. When the fund's profit reaches 20%, the system will automatically sell the fund, which is called fixed investment profit. Profit from fixed investment is the key link of fixed investment. The profit point is too high, the risk is high, the profit point is too low, and the income is greatly discounted. ?

Only by setting the most reasonable profit-taking point can we ensure that we are in a sustainable profit state in the investment process.

Determine the target rate of return with reference to opportunity cost

If the set rate of return of fixed investment is not even comparable to the opportunity cost, then what is the point of insisting on fixed investment for so many years?

If we don't invest our money, we can invest in risk-free or less risky wealth management products and get the annualized rate of return of wealth management products; Besides, we need to consider the inflation rate.

For a small example, suppose that the annualized rate of return of wealth management products is 5% and the inflation rate is 3%. If the investment is fixed for 5 years, the minimum target rate of return is:

( 1+3%+5%)^5- 1=46.93%

Of course, this is the target rate of return of the ideal hypothesis. It is worth noting that this is only the theoretical minimum index calculated according to the annualized rate of return and inflation rate of wealth management products. Usually, it should be adjusted based on personal risk preference and considering the influence of market sentiment.

Determine the target rate of return with reference to previous bull market ups and downs

The above method is a bit complicated. There is a simple and rude method to help you judge, that is, look at how much the index of your fixed investment in recent rounds of bull market has risen from the lowest point to the highest point, and then take the smallest increase to judge the bull market. The bull market has come to take profits in batches, so that you won't miss it. Take the CSI 500 Index as an example. From the lowest point to the highest point, the three bull markets all rose more than 200%.

A good way for everyone to judge the bull market is that as long as the increase in the CSI 500 range exceeds 100%, it means that the bull market is coming, and everyone can gradually reduce their positions in batches. This is the target rate of return method. According to the rising space before the index bull market, I probably set a target rising space.

Although the target rate of return method is simple and easy to operate, it also has shortcomings, such as setting the target rate of return too low, making profits prematurely, and the market is still in a bull market, so it can only stare blankly. If the goal is set too high, it is easy to miss the opportunity to take profit. The best way is to make profits in batches.

Whether it is valuation take profit method or yield take profit method, the higher the set valuation or yield, the higher the fixed investment yield, but if it is set too high, it will also miss the opportunity to take profit. Here, Luo suggested that everyone can take profits in batches, and refer to the historical bull market valuation and the increase in yield to take profits in batches.

In the past two years, the returns of funds purchased by many investors are generally unsatisfactory. What caused the large losses of most funds? Mars, an analyst at Shanghai Securities Fund Evaluation Center, pointed out that, first of all, the essence of fund products is the combination of securities, and the performance of fund income is closely related to the performance of the underlying market. In the continuous decline of the stock market, it is difficult for equity funds and hybrid funds, which mainly invest in stocks, to achieve positive returns. In the case of rising stock market, most partial stock funds can often achieve positive returns. Therefore, it is impossible for funds to create myths and create high positive returns in the continuous decline of the market in recent years.

From the long-term performance, in most cases, the overall performance of funds is better than that of individual investors, especially in bull markets and volatile markets. For example, in 2006 and 2007, more than 80% of equity funds achieved a return of more than 100%, while the proportion of individual investors was less than 20 12 years. Nearly 50% of equity funds have achieved a return of 5% to 30%. According to the survey, more than 50% of individual investors have lost between 5% and 50%. Therefore, the fund is still a good investment tool for individual investors to participate in the capital market.

All kinds of problems, whether China's stock market construction, economic development or asset management industry, can't be eliminated in a short time, and all need the rationality of the market as a whole to promote it. However, as investors themselves, we must measure our risk tolerance clearly and not blindly listen to the propaganda of sales staff. If your risk tolerance is weak, or the funds you want to use in the short term, you can't invest too much in a single stock fund to avoid being greatly affected by the risk of stock market fluctuations. Therefore, for individual investors, it is more meaningful to have a long-term investment mentality, choose appropriate fund products according to their own risk tolerance and renewal, avoid excessive pursuit of popular funds with outstanding short-term returns, pay more attention to funds with relatively stable long-term performance, and spread risks through fixed investment and portfolio allocation to obtain long-term stable returns.

Fund Fixed Investment is the abbreviation of fixed-term investment fund, which means to invest a fixed amount (such as 500 yuan) in a designated open-end fund at a fixed time (such as the 8th day of each month), similar to the bank's zero deposit and withdrawal method. It mainly adopts the method of buying in batches, which overcomes the trading risk at a certain point.

Fund fixed investment has the characteristics of average cost and simple and fast procedures, which is suitable for long-term investment. Favored by people with low risk tolerance, it is a low-risk investment and financial management option with long-term savings function, also known as "lazy financial management". There are also many financial instruments in the market, such as fund income calculator, which can provide some data for investors' choice and facilitate investment choice.

Tip:

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.

Articles on the target rate of return method of fixed investment and profit taking;

★ Introduction to Xiaobai Fund

★ Introduction to the Operation Guide for Fixed Investment of Funds

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★ Introduction to Xiaobai Fund