In fund investment, if there is a rising market, the most easy problem for investors is whether to take profit.

I want to make a profit, but I feel that when I finally wait for the rising market and earn so much profit, I should take care of it as soon as possible, so as to avoid the market falling immediately and tossing around, and the hard-earned income will shrink again.

Hesitation is more than profit, that is, if the market will continue to rise, it will lose the opportunity to earn more.

In the rising market, if the fund makes money, such as a profit of 20%, should it be redeemed?

If you can clearly judge that the market will fall next, then taking profit in time is the best choice.

But the key question is, after you redeem it, will the market definitely fall next? What will you do if the market continues to rise after selling? Even if the upward trend is stronger, will you still consider buying back the fund?

Historical data tells us that there are no absolute laws to follow in the market. We can't clearly predict when the market will rise to many points, or when it will fall to many points, and then rebound from where.

But when we invest, we may make a basic judgment according to the corresponding index.

First of all, we should choose the reference index and buy in the low range. What is the low range? It can be judged by valuation. When the valuation percentile is close to the historical high range, we should pay attention to whether it is time to take profits.

If it is an industry like the historical reference data of science and technology, which has a short time span and great potential for future growth and cannot be judged simply by valuation, it can adopt different investment strategies according to its own investment style.

Whether to take profit is not based on feelings, but on planned investment. Before investing, you should set a goal, such as 20% and 30%, according to your psychological expectation of investment income.

The length of investment should be considered when taking profit targets. If your investment has been going on for three years and you have earned 15% by now, then when considering whether to stop making profits, you should ask yourself whether the three-year income of 15%, that is, the average annual yield of 4.7%, is in line with your profit target.

So the profit-taking goal must be related to time. The longer the time, the higher the total income you require. The profit-taking target varies from person to person and from product to product, and basically cannot be lower than annualized 10%.

For short-term investors based on success, set a profit-taking goal, sell in time, and be satisfied in time. A good investment mentality is more conducive to investment. It should be noted that taking profit in time does not mean frequent operation.

For mature investors, they have always insisted on their own fixed investment plan. It is a better choice to save chips in a bear market, earn profits in a bull market and pursue longer-term investment income.

I hope the above analysis is helpful to you.