As for whether to clear the warehouse,
You can judge according to the following three principles:
0 1
First of all, is it urgent to use money at present?
Urgent need of money, this is the premise. If your own capital turnover is not enough, then even if the fund has only a little "meager profit", you should leave early to "take profits". Therefore, it is recommended to invest with spare money, otherwise it will be redeemed in a hurry. Once there is a loss, it is not worthwhile.
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Second, see if the target income has been achieved.
If you have less investment experience
I don't know much about fund investment and don't know when to stop making profits. Don't set too high a goal yet. You can set yourself a "small goal" that is a little higher than the financial income, such as 10% and 15%, and then implement the "iron discipline", and stop making profits when you reach the target income.
If you have a little investment experience.
Have a certain understanding of fund investment and want to set a higher goal: for example, 20% or 30%. If you plan to hold it for a long time, but you are afraid to regret it after selling it, then you can consider selling part of it, such as redeeming the profit part and continuing to hold the principal part, so you don't have to worry too much about withdrawing cash or regretting that you will be empty.
If there is a higher expected return
Seeing the above data shows that the average income of ordinary stock funds and partial stock hybrid funds reached more than 50% last year, and some small partners may feel that they can set their profit targets higher, such as 50% and 60%.
You can have small goals, but MsC should remind you that historical performance does not represent future performance. Many industry leaders have also suggested that next year is a year in which risks and opportunities coexist, and the expected rate of return should be appropriately reduced.
Moreover, the higher the expected return of the product, the higher the risk to bear. When setting the target income, everyone must comprehensively consider their risk tolerance.
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Is there a better investment direction after profit?
Here we take the stock fund under active management as an example. Active funds generally seek to surpass market performance through active operation, so the management ability of fund managers and the industries in which funds invest heavily are very important:
Have a better investment direction
Many people don't want to continue investing after making profits, and want to change a fund:
For example, the new energy theme fund, which is also a big hit in 2020, found that although its new energy theme fund has achieved positive returns, its short-term returns in March and 1 year, as well as its long-term performance in three to five years are not very ideal, and it is also a long-term optimistic about the new energy theme. If you want to change a fund with the same theme, you can consider profiting from your current fund and changing to a fund that you are more optimistic about.
There is no bet investment direction.
If there is no better investment direction at present, and the short-term performance or long-term performance of fund managers in 5 years 10 can meet their own needs, and the investment style of funds is stable, and the "foundation" such as investment framework has not changed, then it may be considered to continue holding.