If it is a fixed investment of the money fund, it is of little significance, because the risk of the money fund itself is very small, the fund income is relatively stable, and the fund fluctuation is relatively small. Generally speaking, the fixed investment of funds is more suitable for funds with greater risks.
For example: stock funds, hybrid funds, index funds and so on. Because the fixed investment of a fund is the act of buying the same fund in a specified period, no matter how the market fluctuates, you can buy a sum of money every week or every month, or you can increase or decrease the investment according to the market, which can average the cost and spread the risk.
In addition, it is worth noting that the fund was redeemed after the fixed investment. Seize the opportunity when you save it. If the fund reaches the profit-taking line, it will be redeemed, so that the money can be saved. If this fund has been falling and is in a state of loss, then it is necessary to buy on dips, big ones and small ones.
Generally, take profit redemption can refer to the past performance of the fund to set the take profit line, such as 20%.
For example, if Xiaobai buys a fund of 1 1,000 yuan, the set profit point is 20%. When the fund reaches the profit point, there are two redemption methods:
Method 1: Redeem all 1200 yuan, but the disadvantage is that you may miss the later inflation.
Method 2: Partial redemption, such as 50% redemption, that is, 600 yuan, and the remaining 600 yuan depends on the market situation in the later period.