Of course, in the case of good market trend, investors can also make profits later, but it will also reduce the advantages of fixed investment to reduce risks and share costs.
Investors mainly consider the following factors when setting the take profit point:
Considering the types of investment funds, we must first choose the fund with large fluctuation as the investment target, because the fund with small fluctuation, such as money fund, has small performance fluctuation and can't play a role in stabilizing costs, so the advantages of fixed investment are greatly reduced, while the stock fund and hybrid fund with large fluctuation are more in line with the smile curve of fixed investment, and the effect of long-term fixed investment is better.
Funds with large fluctuations are divided into stock funds and hybrid funds. Equity funds have high stock positions and high bull market returns. In addition to allocating stocks, hybrid funds will also invest in some bonds and monetary instruments, and the overall rate of return will be less than that of equity funds. Therefore, if investors decide to invest in stock funds, they can set a higher profit point, while if they invest in hybrid funds, it is not recommended to set the profit point too high.
According to the target breakdown of stock fund investment, the performance and growth of Shanghai and Shenzhen 300 stocks, CSI 500 stocks, GEM, blue chip stocks and other targets are different, and they should also be considered when setting profit points.
Personally, I think Shanghai and Shenzhen 300, CSI 500 and so on. Including more blue chips, the overall performance is relatively stable. From the point of view of avoiding intraday trading and obtaining long-term income, the income target can be set higher. Even if there is a retracement in the process of fixed investment, the risk will not be great, and the income will recover over time. High-growth enterprises such as science and technology innovation board and growth enterprise market have high risks and high returns. On the contrary, they should carefully set profit-taking lines and not be too greedy to avoid losses caused by violent fluctuations in the depressed market environment.
Judging the investment amount of fixed investment according to the investment amount is also a consideration factor in setting the profit-taking point. If the monthly fixed investment accounts for a large proportion of household income, it is suggested to set a relatively low profit-taking point to supplement household liquidity at any time to avoid locking in a large amount of funds in fund investment.
If the amount of fixed investment accounts for a low proportion of income, and there is no big capital demand in the medium and long term, investors can set a relatively high take profit point.
Setting index points according to index points reflects the overall market trend of the stock market. When the index rises sharply in the short term, investors should lighten their positions appropriately and manage their positions to make them conform to pyramid principles, that is, the higher the index, the lower the position.
Although the fund can enter the market at any time, the profit margin when the market enters the market at a high point and a low point is definitely different. High point entry, high holding cost. Once the index goes down, it will take a long time to close the position. Low entry cost, investors still have some liquidity of funds and time.
Therefore, it is suggested that a higher profit-taking line can be set at a low point. At this time, the safety buffer is higher, the index is getting higher and higher, the risks are accumulating, and the target income should naturally be moderately reduced.
Investment strategy after selling at profit point After selling the fund at profit point, in view of careful analysis and familiarity with the previous fund, investors can choose the opportunity to continue investing in the fund redeemed before, or choose the fund with low price and good growth.
If the market trend is unclear, there is no need to reluctantly choose fund investment. You can temporarily invest in a low-risk money fund and then invest in the fund after the market improves.
There is no standard answer to the setting of profit points for fixed investment of funds. It is good for investors to find investment standards that suit them.