But it depends on when you redeem the fund. Only when you really redeem the fund can you be safe, otherwise there will always be floating profits and losses in your account.
Some time ago, some netizens asked us: my fund has already made a profit of 30%. Do you want to redeem it?
On this issue, each family has its own views. In our opinion, 30% of the fund's income is still ok. If you are satisfied with this income, you can consider redemption by installment.
In fact, the question is not what proportion of the fund's fixed investment profit can be redeemed, but how the fund should make a profit. That is, when to sell it.
Today, let's talk about the most commonly used fund profit-taking methods for the time being.
The common methods of fund stop profit are target interest rate stop profit method, maximum extraction method, market sentiment method and valuation stop profit method.
Various methods are different, and the emphasis is different according to different situations. Let's take a look at them one by one.
Target yield method
The target rate of return method should be one of the most commonly used methods and the easiest to use.
At the beginning of preparing for investment, we should first set a reasonable expected return according to our holding time. Varieties with long investment time and high volatility can be set higher, while products with short investment time and low volatility should be set lower.
When the held fund reaches the expected rate of return, it is necessary to decisively choose to take profit. The key to applying the target rate of return method is to set reasonable income expectation and make profits in time. The rate of return can be determined according to the market average income corresponding to the fund type or the income corresponding to the index.
Valuation profit method
Valuation take profit method is also used in many aspects. We need to pay attention to the index valuation corresponding to the holding fund and compare the current valuation with the historical valuation of the index. If the index begins to enter a relatively high valuation area, you can consider starting to gradually take profit and sell.
On the contrary, if the index is still in a relatively low valuation area, you can consider continuing to hold it. If you enter the overvalued area, consider selling take profit, if not, continue to hold positions.
The valuation take profit method is not absolutely overestimated or underestimated, and it has certain subjectivity.
At the same time, some funds may not have corresponding indexes, so you can be flexible, look at the positions of funds, and find relevant theme indexes to see the valuation reference.
Maximum withdrawal method
The maximum retracement method, as its name implies, is to pay attention to whether the difference between the last highest point and the net value of the fund has reached its own threshold. For example, the maximum value of this fund in three months is 1.5 yuan, and the net value is 1.35 yuan. At this time, the fund has withdrawn 0.65,438+05 yuan, and the withdrawal rate has reached 65,438+00%. Can you accept this withdrawal? If not, then sell it for a profit.
Market sentiment method
In fact, this method is a bit of a herd effect. When everyone says yes, follow the market sentiment and the probability of making mistakes is relatively small.
Specifically, when you hold a fund, go to various forums of the fund to see if anyone comments. If they are all cheering comments, it shows that the market is in a hot mood. You can consider selling and taking profits, otherwise you will not sell.
I hope the above contents are helpful to you.