I. Regular fixed redemption
Regular fixed redemption means that investors redeem fund shares into cash according to a certain period of time and amount. This way can help investors achieve the purpose of regular redemption and decentralized selling, reduce the impact of market fluctuations on investors and reduce investment risks. Through regular fixed redemption, investors can avoid selling fund shares at a certain point and better grasp investment opportunities.
The skills of regular fixed redemption include choosing the appropriate fixed investment period and amount. The fixed investment cycle can be determined according to the individual's investment objectives and market environment, and you can generally choose monthly or quarterly fixed investment. The amount of fixed investment can be determined according to the individual's financial situation and investment objectives, and you can choose to gradually increase or fix the amount. Regular fixed redemption requires investors to set it when purchasing funds, and it is realized through automatic redemption.
Second, flexible redemption according to market trends.
Flexible redemption according to market trends is a skill of redemption according to market changes. When the market is in an upward trend, investors can redeem some fund shares appropriately and convert the gains into cash. When the market is in a downward trend, investors can moderately redeem some fund shares to avoid further losses.
The skills of flexible redemption include choosing the appropriate redemption time and proportion. The timing of redemption can be determined according to the changes in the market index and the net value of the fund. Generally, you can choose appropriate redemption when the market rises and appropriate redemption when the market falls. The redemption ratio can be determined according to market conditions and individual risk tolerance. Generally, you can choose the way of gradual redemption or batch redemption.
Third, the use of capital requires redemption.
Redemption by using capital demand refers to the skill of redemption according to the capital demand of individuals or families. When investors have emergency funds or other investment opportunities, they can redeem some fund shares appropriately to meet the capital demand or seize other investment opportunities.
The skills of redeeming by using capital demand include reasonable planning and allocation of funds. Investors can determine the amount and time of redemption according to the urgency of capital demand and the income of the fund. Pay attention to ensure the continuity and stability of fund investment when redeeming, and avoid redeeming fund shares too frequently.
Fourth, pay attention to the impact of redemption.
Fund redemption will have an impact, and investors need to pay attention to relevant regulations when redeeming. According to the tax law of our country, the income from fund redemption needs to pay personal income tax. For individual investors, holding the fund for more than one year is a long-term holding, and the redemption income needs to pay 20% personal income tax; If the fund is held for less than one year, it belongs to short-term holding, and the highest personal income tax of 45% is required for redemption.
Before the redemption operation, investors should understand and master the relevant regulations, plan and arrange the redemption amount and time reasonably, and reduce the cost. You can consult a professional or fund sales organization to learn more about fund redemption.
Summary:
Fund redemption is a process in which investors convert fund shares into cash. Mastering some fund redemption skills can help investors better achieve their investment goals and manage investment risks. Regular fixed redemption, flexible redemption according to market trend, redemption by using capital demand and paying attention to influencing redemption are several common fund redemption techniques. Investors can choose the appropriate redemption method according to their actual situation and investment objectives, improve the return on investment and ensure the safety of funds. However, it should be noted that we should be cautious when redeeming funds, follow the investment principles, and avoid blindly following the trend and redeeming too frequently.