You can throw it or not, but you can redeem the fund before and after the Chinese New Year. At present, the upward trend of these institutions is expected to continue around the new year, and the plunging market will face a big correction. As for when it will crash, I expect it will be when the 2020 annual report will be released after the Spring Festival, because at this time, the problem of unsatisfactory performance will appear, and the market is most divided. Once one institution says: I don't like it, you can continue to embrace it, and other institutions will collapse. Because the biggest increase at present is the big blue chip with large market value, which has certain performance support, it is estimated that there will be no stock market crash after the year, and the market will pull back 20%-30% from the high point, and then fluctuate sideways. After a period of consolidation, semi-annual report. After the publication of the third quarterly report, the market of sectors with good performance will slowly pick up. Therefore, it is ok to redeem the fund around the year before last. You can adjust for a period of time after the year to prepare for the layout of the new fund.

Fund, in English, refers to a certain amount of funds set up for a certain purpose. It mainly includes trust and investment funds, provident funds, insurance funds, retirement funds and funds of various foundations.

From the accounting point of view, capital is a narrow concept, which refers to funds with specific purposes and uses. The fund we are talking about mainly refers to the securities investment fund.

manipulative skill

Look at the market outlook before you operate.

The income from fund investment comes from the future. For example, if you want to redeem stock funds, you can first look at whether the future development of the stock market is a bull market or a bear market. Then decide whether to redeem or not, and make a choice on the timing. If it is a bull market, it can be held for a period of time to maximize the benefits. If it is a bear market, redeem it in advance and put it in the bag.

Second, switch to other products.

Converting high-risk fund products into low-risk fund products is also a kind of redemption, such as converting stock funds into money funds. This can reduce the cost, the conversion fee is generally lower than the redemption fee, while the money fund has low risk, equivalent to cash, and the income is higher than the current interest. Therefore, conversion is also an idea of redemption.

Third, regular fixed redemption.

Like regular investment, regular fixed redemption can do daily cash management and stabilize market fluctuations. Fixed-term redemption is a redemption method of fixed-term investment.