1, contentment is always a pleasure, close the door when you are ready.
This is the easiest way to withdraw from the fixed investment, that is, set the expected expected annualized expected rate of return in advance-"take profit point". After reaching the goal, stop deducting money (remember to terminate the fixed investment agreement), redeem it all, and put it in the bag for safety.
This method is more suitable for investors with clear goals and conservative investment style. After the completion of this fixed investment, part of the funds redeemed from the fixed investment can be used for actual needs, and the other part can be invested in bond funds or money market funds with lower risks, or a new fixed investment can be reopened.
2, judge the situation, and fight and retreat.
This method is suitable for players with active investment style. For example, set a higher "take profit point" and stop fixed investment after reaching the target; Then set a maximum allowable decline for the existing portfolio, and when the maximum allowable decline is reached, all of them will be redeemed.
The advantage of this method is that when the target is reached, the existing fixed investment portfolio can continue to enjoy the annualized expected income expected by the market and avoid missing the profit opportunities behind. The disadvantage is that we should always pay attention to the trend of the market and redeem it decisively when the decline exceeds the maximum tolerable decline. If you can't resist the temptation that the market continues to climb and choose to continue holding or even increase your holdings, you are likely to miss a better redemption opportunity.
3. Directional and batch redemption
When the expected annualized expected return of the investment target is realized, the fixed investment deduction will be stopped and the redemption will be carried out in batches. In other words, a "take profit point" is set in advance, and once the historical expected annualized expected return of the fixed investment portfolio exceeds the "take profit point", the fixed investment deduction will be stopped from next month. At the same time, in the next period of time, a part of the total share of the holding fund will be redeemed in batches according to the changes in the market.
The advantage of this batch redemption is that after reaching the expected annualized expected return target, if the market is still in the rising stage at that time, the unreredeemed part can continue to enjoy the expected annualized expected return brought by the market rise, and at the same time, it can partially cash in the expected annualized expected return already obtained. The disadvantage is that you need to pay close attention to the changes in the market. If the market plummets, the share that has not been redeemed may lose the expected annualized expected income or even the principal.