One-time purchase of this kind of capital lending method requires strong timing ability. If the purchase timing is not good, even if the fund itself is good, the lender may lose money with a high probability. The premise of one-time investment hypothesis is that there is no follow-up funds to cover the position to reduce the cost, so lenders need to have certain ability to control the market. If you don't know enough about the market, you can always pay attention to the profit and loss situation and take profit according to the following methods:

1. Stop loss line: If you continue to fluctuate and fall after buying, you can stop loss according to your risk preference. If the risk appetite is low, you can set a stop loss line of 8%~ 10%, and if the risk appetite is high, you can set a stop loss line of 15%~20%. This needs to be thought out before buying, and then strictly implemented to avoid the mentality of "breaking the jar and breaking it".

2. Take profit line: theoretically, there is no unified take profit line, but on the basis of profit, when it falls to a certain range in a short time, the fund will redeem the guaranteed profit.

Second, long-term fixed investment.

The biggest advantage of the fund's fixed investment is that it weakens the timing. Even if a fixed investment is started at a high point, the average cost will be lowered by the chips bought in the subsequent decline. If you follow the fixed investment method, plus the conditions of take profit, take profit 30% and 50%, stop loss 65,438+00% and stop loss 20%, the yield will become: 30% take profit > 50% take profit > more take profit > 20% stop loss > 65,438+00% stop loss. Therefore, the appropriate profit-taking operation of the fund's fixed investment can improve the income of the fixed investment, while the fixed investment with stop loss is not as high as doing nothing.

1. Fund units buy and sell in different ways. When a closed-end fund is initiated, investors can subscribe to the fund management company or sales organization; When closed-end funds are listed and traded, investors can entrust brokers to buy and sell at market prices on the stock exchange. When investors invest in open-end funds, they can purchase or redeem them from fund management companies or sales organizations at any time.

2. The buying price and selling price of fund units are formed in different ways. Because closed-end funds are listed on the exchange, their buying and selling prices are greatly influenced by the relationship between market supply and demand. When the market supply is less than the demand, the buying and selling price of the fund unit may be higher than the net asset value of each fund unit, and then the fund assets owned by investors will increase; When the market supply exceeds demand, the fund price may be lower than the net asset value of each fund unit. The transaction price of open-end funds is calculated based on the net asset value of the fund unit, which can directly reflect the level of the net asset value of the fund unit. In terms of fund transaction costs, investors have to pay a certain percentage of securities transaction tax and handling fee in addition to the price when buying and selling closed-end funds, just like buying and selling listed stocks; The related expenses (such as initial subscription fee, redemption fee, etc.) that investors of open-end funds need to pay are included in the fund price. Generally speaking, the transaction cost of closed-end funds is higher than that of open-end funds.

3. The investment strategies of funds are different. Since closed-end funds cannot be redeemed at any time, all the funds raised can be used for investment, so that fund management companies can formulate long-term investment strategies and achieve long-term business performance. Open-end funds, on the other hand, must keep some cash so that investors can redeem it at any time, but not all of it is used for long-term investment, and it is generally invested in liquidity.