Investment funds should pay attention not only to luck, but also to methods. Many people are reluctant to sell after the fund rises. In this way, "floating profit" becomes "floating loss". Sometimes funds go up for a few days and then sell quickly. As a result, the fund rose again, and we can only regret it. Do we need to sell the fund immediately after it goes up?

Do you want to sell the fund after it rises sharply?

The fund can be sold immediately after it rises sharply. Because the fund has soared, it shows that the net value is higher than when it was bought, and it can also make money when it is sold. If you can't sell it when it rises, is it feasible to sell it when it falls? Just from the most common logic, there is nothing wrong with selling the fund itself after the surge. But whether the fund should be sold immediately after the surge needs to be treated differently:

1 Understand the transaction price

If you just buy it and it goes up on the same day, you won't make money even if you sell it. Unlike stocks, funds can buy stocks at intraday lows, and if the opening price rises sharply, they can sell them immediately the next day. However, if the fund buys before 15: 00 on the same day, it is calculated according to the net value after the close of the day, and the same is true for selling. Therefore, if you see the fund buy when it falls and sell when it rises, it is not the transaction price, but you need to trade according to the net value announced at the close of the day.

2 Measuring transaction costs

Capital has transaction costs. Although there are many funds (such as Class C funds) that do not need handling fees for subscription, they all need handling fees for sales. Some funds will be held for 7 days, and the handling fee will drop significantly. Some funds will be sold after 30 days without handling fee. But if you sell a fund within 7 days, the handling fee will generally be 1.5%. General funds will not go up and down like stocks, even if they go up, the one-day increase will not be too big. If you buy a fund and it rises by 2% in a short period of time, even if you sell it, you will only get 0.5% after deducting the handling fee, and there is not much income.

3 clear investment period

Funds are generally suitable for long-term investment. Self-owned funds are a way to diversify investment in the stock market, and fund managers will not change stock positions frequently. Sometimes a short-term rise in a fund does not mean that it will fall immediately. After a large adjustment (such as the 20 18 plunge), it will usher in a significant increase. If the fund rises more than 30% in a round of market, it will be sold after it has just risen by 3% and then emptied. After the fund rose a lot, it entered the market at a high level because it didn't want to be empty, and the result fell as soon as it was bought.

We should treat investment funds with a rational attitude. With the rise and fall of the stock market, funds will fluctuate. The best way for ordinary investors to participate in funds is to choose funds with excellent long-term performance for fixed investment, which can smooth the risk of market fluctuations. Even if there is a round of decline, the cost will continue to decrease. As long as the capital goes up again, it will soon be profitable.