The most important thing for the fund to make a fixed investment is to take profit. After all, if you don't take profits in time, the yield of fixed investment will also rise when the market goes up, but when the market goes down, the yield of fixed investment will also decline. Bian Xiao arranged here how to profit from the fixed investment of the fund for your reference. I hope everyone will gain something in the reading process!

If the easiest and most convenient way to invest in lazy people is what, the fixed investment fund will definitely rank first. But as long as the investment is fixed, will it be done once and for all? Of course not. How many investors have experienced the distressed feeling of watching the fixed investment income drop bit by bit? What can be bought is an apprentice, and what can be sold is a master. Therefore, it is necessary to lock in the income at the right profit point.

Target profit method

Usually, it is not a war to set a static profit point and sell it when the target income is reached. According to different markets, it is more reasonable to treat bull market and bear market differently.

The profit-taking scheme of bull market can be selected as 32 1 rule, that is, the first profit-taking point of bull market is 30%, the second profit-taking point is 20%, and the third profit-taking point is 10%.

The profit-taking scheme in a bear market is: a rule, that is, on the long bear market road, when the rate of return reaches 10%, the profit will be taken.

Of course, the above profit-taking rate is not fixed. You can set the take profit point according to your own preferences.

Maximum withdrawal method

Maximum retracement refers to the biggest decline in the yield of fund products in a certain period, which is a risk indicator.

Controlling the maximum cash withdrawal and take profit is to set the threshold of maximum cash withdrawal on the basis of the target rate of return. When the target rate of return is reached, the profit will not only be redeemed, but will continue to be held.

Two things may happen next:

First, the fund continues to rise, continue to hold, and obtain income higher than the target rate of return;

Second, if there is a withdrawal of 10% from the holding fund, then the take profit will be redeemed immediately, and the final income is less than the target rate of return, and this 10% is the preset maximum withdrawal threshold.

Therefore, this method can solve the problem of taking profit and redeeming in advance and missing the market outlook, which is more suitable for rising prices.

Valuation profit method

Index fund is the most commonly used investment fund, and whether the current position of index fund is worth investing mainly depends on valuation. Buy more when the valuation is low, and buy less when the valuation is high. In fact, valuation is also an important reference standard when selling funds. Sell when the valuation is high and keep it when the valuation is low.

The commonly used valuation index is mainly the price-earnings ratio. We can compare the price-earnings ratio of different indexes in the same industry, or compare the historical level of the same index, understand the overall level in the current market, and measure whether the index is overvalued or underestimated.

In addition, you can also observe the percentile, which is mainly used to indicate the position of P/E ratio in the historical interval. For example, 80% means that the current P/E ratio is higher than 80% in history.

Under normal circumstances, when the valuation percentile is greater than 60%, it means that it is normally high, and investors who pursue steady income can sell it in batches at this time; When the valuation percentile is greater than 80%, it means that it has been overvalued, and profit-taking redemption can be considered.

Dynamic profit method

Many people may have some gains after making profits, and everyone is worried that making profits may miss the later growth. The dynamic profit-taking method is that the profit-taking point changes according to the changes of market conditions.

For example, we set a profit-taking point of 20%, and then raise the profit-taking point to 30%, and then raise the profit-taking point, but if there is a 5% callback in the middle, we will stop profit immediately.

Finally, fixed investment is actually a process of "buying foolishly and selling intelligently". Although you don't need to pay attention all the time, you can't lose your sensitivity to market changes. In fact, as long as you do a good job of taking profit in the market stage, you can generally get a good return on your fixed investment.

Characteristics of fixed investment of funds

1, average cost, risk diversification

It is difficult for ordinary investors to grasp the right investment opportunity in time, and they often buy at the high point of the market and sell at the low point of the market. However, the fixed investment mode of the fund is adopted. No matter how the market fluctuates, the fixed investment fund will be fixed for one day every month, and the bank will automatically deduct the money, and automatically calculate the number of fund shares that can be purchased according to the net value of the fund. In this way, investors buy funds on schedule, and the investment cost is relatively average.

2. Suitable for long-term investment

Because the regular quota comes into the market in batches, when the stock market is consolidating or falling, because the regular quota is undertaken in batches, you can buy more and cheaper, and the return on investment after the stock market rebounds is better than that of a single investment. For the China stock market, it should be a volatile upward trend in the long run, so regular quota is very suitable for long-term investment and financial planning.

3. It is more suitable for investing in emerging markets and small equity funds.

For emerging markets or small stock-based overseas funds with large fluctuations in medium and long-term fixed investment performance, because the stock market callback time is generally long and the speed is slow, but the rising stock market rises rapidly, investors can often accumulate more fund shares when the stock market falls, thus obtaining a better return on investment when the stock market rebounds. According to Lipper Fund data, as of the end of June 2005, investors who continue to deduct money to invest in any emerging market or small company stock fund have an average return of at least 23%.

4, automatic deduction, simple procedures

Fixed-term investment funds only need investors to go through the one-time formalities at the fund agency, and then they will automatically deduct the subscription for each period, usually on a monthly basis, but there are also other time limits such as semi-monthly and quarterly as regular units. In contrast, buying a fund by yourself requires investors to go through the formalities in person at the agency every time. Therefore, the fixed investment fund is also called "lazy financial management", which fully embodies its convenient characteristics.

For the public.

Suitable for office workers with fixed salary. After deducting daily expenses, people with fixed income often have a surplus. At this time, a small amount of fixed investment is the most appropriate.

A busy man who is absorbed in his work and has no time to manage money. The fund can invest automatically for a long time with a fixed investment.

I don't like steady people who invest too much risk. The fixed investment of the fund can stabilize the cost, reduce the risk of price fluctuation and improve the profit opportunity.

Cost problem

The expenses directly borne by fund investors refer to the one-time expenses paid by investors when conducting fund transactions. For closed-end funds, like buying and selling stocks, a certain percentage of commission is paid outside the price. For open-end funds, it mainly refers to subscription fee and redemption fee.

Fund operating expenses refer to the expenses incurred during the fund operation, mainly including management fees, custody fees and other expenses, which are directly deducted from the fund assets.

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