Can I leave it alone after the fixed investment? Fund fixed investment is known as the most worry-free investment for lazy people. Some people will ask: "What if I just choose a fund, set a fixed investment plan, deduct money on time every month, leave it there and ignore it, and wait to save money in 30 years?" Is it okay for 5 million?" First of all, the answer is no. Although fixed investment in funds is an investment for lazy people, it is not a one-and-done thing. You can make money just by lying down. Fund fixed investment also requires active operations, just like the meal has been served to you, you still have to eat it yourself. You have to choose the dishes you like to eat. When you are full, you have to put down your chopsticks and leave the table. The same is true for fund fixed investment. A fixed investment plan has been constructed and started to be executed. When the fund rises to the target level, the profit must be taken out in time. Put the profits from this round into your pocket and continue your fixed investment in the next round. The fund you bought has risen a lot, but you still hold on to it without selling it at the high stage. When the fund falls, your income will decrease. Because fund fluctuations are normal, no matter how high-quality the fund you choose is, it cannot always rise. There will always be a fall. Therefore, even if you invest in a fund, you must stop profits in a timely manner. You cannot just buy it and just wait to make money. . There is also a term called passivation effect in fund fixed investment. What is passivation? Fixed investment is to buy in batches and share the cost. In the beginning, as the number of fixed investments gradually increases, the cost-sharing effect becomes weaker and weaker. Let me give you an example: If you invest 500 yuan in the first month, the total assets will be 500 yuan, and the investment amount will account for 100% of the assets; if you invest another 500 yuan in the second month, the assets will become 1,000 yuan. , the investment amount will account for 50% of the assets; as the number of fixed investment periods increases, the proportion of the amount invested each time in the total assets will gradually shrink, and the role of cost sharing will become smaller and smaller. Because of the passivation effect, in order to maintain the effect of dispersing costs, in some cases it is necessary to stop profits in a timely manner at a high point and make a profit. Start the next round of fixed investment again and continue to play the role of fixed investment in dispersing costs. However, it is difficult for many investors to grasp the point of taking profit and do not know what standards to use to take profit. What should you do if you are afraid that the market will continue to rise after taking profit? Doesn’t that mean you miss out on the benefits later? In the market, we can never guess how the market will move next, so we have to set ourselves a profit-taking ratio and standard. If the target we set is reached, we must stop profit in time, or take profit in batches. good idea. In this way, when the market falls, we have already made most of the profits, and when the market rises, we still have some chips in hand to balance the income. And after taking profit, we will make the next round of fixed investment and continue to earn profits. So don’t just lie down after placing your investment, you still need to pay attention to your account. In addition, you also need to track the funds you have previously invested in. Although we will comprehensively compare the size, establishment time, historical returns and other factors of each fund before purchasing, the past is only a reference. You must pay attention to the performance and make analyze. Especially when losses occur, you need to analyze the reasons. If the overall environment is relatively poor and similar funds perform poorly, then don't pay too much attention. But if the return of this fund is worse than similar funds over a long period of time, then you should consider redeeming or switching to other funds for investment.