When is it better to redeem the fixed investment of the fund?
First of all, it is not recommended to redeem the fund when it loses money. Take the Shanghai Composite Index as an example. From 2007 to 20 15, we reinvested under the conditions of no stop loss, loss 10% stop loss, loss of 30% stop loss and loss of 50% stop loss, and the expected returns obtained were,,, respectively. As can be seen from the data, the expected returns obtained from the fixed investment without stop loss were higher than the stop loss.
The reason is that when the fund loses money, it can buy more and cheaper fund shares by continuing to invest. When the stock market rises and exits in the future, it will indirectly achieve the goal of buying low and selling high, and improve the success rate of investment.
If you stop at a low level, it is equivalent to losing all the cheap chips accumulated in the early stage, the subsequent market will rise, the fund share will be small, the cost of holding positions will not be amortized, and the expected income will naturally be low.
For the fixed investment of the fund, the most suitable target is the index fund, because the rules of the index fund are relatively transparent and the index valuation is easy to understand. We can decide the redemption time of the fixed investment of the fund according to the valuation of the index. When the index is overvalued, it is the redemption opportunity of the fund's fixed investment. Whether it is a one-time redemption or a gradual redemption in batches, it is much better than cutting meat at a loss.
Ok, let's talk about how to sell the fund's fixed investment here, hoping to help everyone. Warm reminder, financial management is risky and investment needs to be cautious.