One of the simple methods for fund fixed investment and profit-stopping is the target rate of return and stop-profit, which is most suitable for novices. It is to set an expected target rate of return. When the expected rate of return is reached, the profit-stop is redeemed and the investment is settled as soon as it is good.

Generally, the common profit target rate of return is about 30% to 40%.

Note that the target profit rate cannot be too low. First, because the operation is too frequent, redemption fees will affect the investment income. Second, in a bull market, if the target profit target is set too low, you will not make money.

?Taking profits based on valuation is another common method of taking profits in the market. The principle of taking profits based on valuation is to start placing investments when the index valuation is still low, and wait until the valuation is obviously overvalued.

Sell ??to take profit.

One type that is more suitable is excellent broad-based index funds, such as strategy weighted index funds; the other type is excellent industry index funds, such as consumer, pharmaceutical, etc.

I believe that when choosing funds, many investors will find that some funds have A and some funds have C. So how should they choose between A and C funds?

Without further ado, let’s start with the conclusion: long-term investment – ??Class A funds and short-term investment – ??Class C funds.

So what is the difference between Class A funds and Class C funds?

In fact, whether it is Class A or Class C, it is the same fund.

The investment operations, fund managers, and positions of the two are the same. The only difference is the fees charged.

There is no subscription fee for Class C funds.

Class A funds have a subscription fee, but the rate decreases as the subscription amount increases. In this example, the subscription fee gradually decreases from 1.50% to 1,000 per transaction as the subscription amount increases (the subscription fee is similar).

In terms of redemption fees, the redemption fees for Class A funds and Class C funds are the same when the holding period is less than 7 days and less than one month, 1.50% and 0.75% respectively.

When the holding period is greater than one month and less than one year, the redemption fee for Class A funds is 0.5%.

Class C funds have no redemption fee when the holding period is greater than one month, while Class A funds require a holding period of greater than one year for the redemption fee to be zero.