1, buy low and sell high to make money, so we can sell it to make money when its price enters the overvalued area.

2, the market selling method, when most people are profitable, also represents the stage that the market is about to enter a climax and prepare to turn, so when we notice that more and more investors call themselves "stock gods", we must be careful.

3. Target rate of return sales method: This method is the simplest and most applicable. It just needs to set a target rate of return When the net value of the fund rises to our goal, it can be redeemed.

4. Valuation selling method: When the market is in the "undervalued" range, you can buy in batches according to the fixed investment method, and when the P/E ratio is "overvalued", you should also sell in batches, which is more scientific and reasonable than the target income method.

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First, how can I choose a good fund?

1. Select funds according to holding time and past performance.

Each investor's preference and risk tolerance are not good, and the selected goals are also different. For example, if the investment target is a partial stock fund and the holding time is between 3- 1 year, that is, short-term trading, then it will be selected from the top 100 funds according to the performance trend of the fund in the past two years. Then compare it according to the following aspects;

2. Reference fund rating

Fund rating is an evaluation conducted by a third-party organization according to the relevant data of the fund, and different fund rating organizations will have their own set of evaluation criteria. The overall performance of the fund is closely related to investment management, and the rating will be comprehensively evaluated according to the dimensions of the fund's past performance, income indicators and risk indicators.

3. Understand the background of the fund manager.

(1), according to investment experience: choose a fund management period of more than 5 years.

The longer the fund management period, the richer the investment experience and the better the adaptability to different market styles. A complete bull-bear cycle in the A-share market is about 5 years, so choose a fund manager who has managed the fund for more than 5 years.

(2) Look at the performance: choose the one with high yield.

The comprehensive index to measure the profitability of fund managers is the average annualized rate of return. What is selected here is a more scientific "geometric average annualized rate of return" rather than "arithmetic average annualized rate of return".

In addition to the average annualized rate of return, there is another indicator that needs attention, that is, the average annualized rate of return exceeds the benchmark. For individual fund managers, the average annualized income of individuals may be high, but they may not always outperform the market every year, and sometimes even fall behind the average. In order to consider whether the products managed by fund managers outperform the broader market most of the time, it is necessary to look at this indicator.