The advantage of the fixed investment of the fund is that it can take advantage of the volatility of the market, accumulate cheap chips at a low level, and achieve the outbreak of income when the market is good, but the market will not fluctuate upward all the time, which means that the income you get through the fixed investment will also be withdrawn in the fluctuation, or it may be empty. Obviously, even if you calculate the fixed investment of the fund, you need to take profits at the right time.

When should I make a profit? How to calculate the profit-taking rate?

There is one of the most common ways for a fund to take profit from fixed investment, which is called target rate of return, that is, when the fixed investment fund reaches its own set rate of return, it can sell the profit.

The most important part of this method is to determine the profit-taking target.

If the goal is set too high, it may not be profitable for a long time, which is a torment for investors; The target setting is too low, such as 5%, 10%, which is too easy to achieve and may miss the later market rise.

Setting the income target can refer to the total return rate and annualized return rate of the fund. The goal setting is different, and choosing the rate of return as the goal depends entirely on the individual.

If you value the actual income, you can set the total rate of return target; If you want to measure the annual income, then choose the annualized rate of return; If long-term investment values compound interest accumulation, then choose compound annualized rate of return.

No matter which rate of return is chosen as the target, the specific value of the income target should be set. Generally speaking, the total rate of return should be at least 20-30%, and the compound annualized rate of return should be above 10%.

The take-profit time should not be too short, which also determines to some extent that the take-profit target should not be set too low. The time is too short, the number of fixed investment periods is too small, the accumulated investment is not large, and the absolute income is not much. Moreover, the short take profit time will lead to frequent take profit and high transaction cost. Moreover, the redemption fee of the fund is closely related to the holding time. The longer the holding time, the less the redemption fee. Even if it is held for more than 2~3 years, most funds will not be redeemed. It can be said that at least 30 fixed periods can be profitable.

Of course, it is a very personalized thing to make a profit from a fixed investment, and the right one is the best.