Funds with better fixed investment can achieve an annual income of about 20%. Like last year's prosperous growth of Chinese businessmen and Huaxia Advantage Fund, the annual rate of return is above 30%. At present, many funds are already at a low level. After the stock market fell to more than 2600 points, it has basically bottomed out. At present, around 2700 points, the risk is not great, so it is a good time to choose an investment fund. Long-term fixed investment, generally choose a better fund, the yield is around 15%. Long-term fixed investment can enjoy the magic of compound interest.
1. About the fixed investment of the fund
The fixed investment of the fund is a very patient thing, and long-term firm holding is the premise of profit. Investors have been investing when they choose high-quality funds. No matter how the market fluctuates during the period and how much the fund falls, they have to bite their teeth and stick to it.
Under normal circumstances, the foundation will make a fixed investment and the profit will not stop. If investors can't stand the loss in the process of fixed investment, then don't choose fixed investment from the beginning. This statement is pessimistic. In other words, if investors know that the final result is profitable, then no matter how the net value fluctuates and falls, they are confident to stick to the fixed investment. Different concerns lead to different investment mentality.
2. How much profit does the fund start to make?
There is an unwritten rule in China, that is, the standard of annualized rate of return of 20% is generally adopted for fixed investment partial stock funds. When the fund makes a profit of 20%, it must be resolutely implemented. Does it have to be 20%? Of course, this is not a hard indicator. Conservative investors or the following markets are pessimistic, and it is ok to appropriately reduce the profit-taking point to 15% and 10%. Similarly, active investors or firm optimism about the next market conditions can also increase profit-taking points, such as 25% and 30%. Generally speaking, however, it is not recommended that you set the profit-taking point too high, and advocate lowering rather than raising it. Because of greed, it will increase the probability of loss.
Where does the standard of 3.20% fund profit come from?
In fact, starting from the China stock market, due to the characteristics of short bulls and long bears, it is difficult to maintain sustained growth in fund returns. It takes at least seven or eight years to cross the bull-bear cycle, and it is a miracle that the increase can reach more than twice during this period. The average annual income is about 20%. This is based on the characteristics of China stock market and the experience of long-term investment funds. If A-shares can get out of the bull market of 10 like US stocks, then the fund will use 20% profit as the profit-taking point, which is really too low, only envy.
Be conservative
Back in China's fund market, suppose investors hold a fund and make a profit of 20% in a short time. At this time, it is also highly recommended to take profits and redeem the fund. Based on the characteristics of China stock market, before the "mad cow", the overall market was dominated by shocks. Assuming that the fund rises by 20%, it is likely to fall back, and the original profits will gradually be spit back into the market. If we can resolutely stop taking profits before this, we can lock in profits in time and play a protective role.
greedy
It is also because of the characteristics of A shares that when the stock market turns from bear to bull, especially when it enters the "Horri-bull" stage, the profit point of the fund should be re-planned. Compared with the increase in the big bull market, the fund's profit is 20%, but in a blink of an eye, if it stops making profits immediately, it will miss a huge upside, and the feeling of stepping on the air is as uncomfortable as losing money. The most important thing is that if the profit has been stopped in the early stage of the big bull market, the risk of restarting the fixed investment of the fund in the late stage of the bull market is too high, especially in the long bear market, which will make the fixed investment of the fund turn losses into profits for a longer period. Continued losses are unbearable for most investors, which is why so many people can't insist on the fixed investment of the fund. In fact, in the crazy stage of the stock market, investors only need to be greedy, and the fund's profit-taking point should not be set too high. For example, the original 20% will take profit, and now it is too greedy to rise to 100%; To compromise, you may be satisfied with withdrawing from the market with a profit of 50%. To change the fund's take profit point, it is necessary to keep a keen sense of the market and leave in time when something is wrong. In the bull market, it is not who earns more than who, but who can stay rational and run faster before the market peaks.
Some investors asked, when the fund has decided to take a profit, it has already taken a profit. What should we do next?
Don't worry about starting a new round of fund investment right away, because many times the market will fall back soon after investors take profits. If you follow up immediately, you may face the risk of falling, and the cost of the fund will be higher. It is better to wait for a period of time, let the target fund fall back to a reasonable point, and then start a new round of fund investment will be more stable. There will never be enough money in the market, so don't worry. After the fund makes a profit, you should observe the market changes first, and then make correct decisions and operations. Replace the new fund for fixed investment, out of fear that the original fixed investment fund may fall back in a short time, then choose other types of low valuation funds, and the investment space in the market will be greater. It can avoid the downside risk of the original fund without wasting time and cost.