What is the best setting of fixed investment and take profit point of the fund?
According to the historical trend of A-shares, the fund can make a profit if the one-year return rate of fixed investment exceeds 10%, and the two-year return rate of fixed investment is set at around 15%. If the stock market continues to be depressed, the profit-taking point can be increased by 7%-8% every year, and it can be operated once or in batches when it reaches the profit-taking point.
In addition, in fixed investment, the long-term yield of index funds with fixed investment is often higher than that of active investment funds, so we generally prefer index funds with fixed investment.
The purpose of investors choosing fixed investment is to avoid the risk of holding positions brought about by the stock market decline. The fixed investment of the fund can share the cost and spread the risk. Because the fixed investment of the fund is a random investment in a certain position, regardless of the opportunity, it can reduce the behavior of investors chasing up and down, and improve the income to a certain extent.
Since investors choose to invest in the fund, they should stick to it and spread the cost of holding positions through long-term investment at different times. With the delay of time, the cost of our fixed investment will gradually increase. When the stock market rises to a certain position in the later period, the yield of fixed investment will also increase.