譬如医药基金震荡了四年，结果短短半年内就"火速"回本，。从月线看港股创新药整体已经接近2021年指数刚下跌时的水平，甚至有望冲击前高。 近期，无论是在蚂蚁财富、小红书还是雪球等社交平台上，关于"基金回本""终于解套"的讨论越来越多。想来也是，对于在市场高点入场的基民而言，账户 终于"回本"的这一刻，犹如一场漫长的马拉松抵达终点线 部分买入时间较晚或者不短补仓摊博成本的投资者已经出现了较为可观的盈利，到了命运的转折扣投资者面对此情此景的确有点不知所措。 港股通创新药指数月线走势 面对盈利，不同人的选择也大相径庭：有人如释重负赎回离场，有人小心翼翼分批撤退，有人反而坚定加仓，还有新入局者正跃跃欲试。 为什么会有"保本出"的现象？ 从舆论风向看，不少投资者还是比较倾向于"保本出"的做法，许多投资者往往在市场高点买入，经历了漫长的亏损期后终于回本，立即选择全部赎回。很多 表示："好不容易回本，说什么也得先出来，钱拿在手里才安心。" 为什么会有这种现象？主要原因还是有两点。 第一个叫 "损失厌恶" "锚定效应"也是深深刻在人性里，积极促成了我们"回本出"的动能。 从历史经验来看，市场回暖初期往往会基金赎回的情况，这时候 ...

Core Viewpoint - The article presents various strategies for profit-taking in mutual fund investments, categorized into different levels of expertise, from beginner to advanced, emphasizing the importance of setting target returns and managing risks effectively [8][9][10]. Group 1: Bronze Level - Target Return Method - This method is designed for beginners, where investors set a target return (e.g., 15%) and redeem their investment once the actual return meets or exceeds this target [8][9]. - After redemption, investors can initiate a new round of regular investments [8]. Group 2: Gold Level - Maximum Drawdown Method - This strategy is applicable in a bull market where returns significantly exceed the target [9]. - Investors set a target return and a maximum drawdown threshold (e.g., 30% target return with a 10% drawdown limit) [5][9]. - If the investment reaches the target return, investors should hold on to their investment unless the drawdown reaches the specified threshold, at which point they should take profits [5][9]. Group 3: King Level - Dynamic Rebalancing Method - This advanced strategy is for investors concerned about missing out on further gains after taking profits [10]. - Investors should take profits in stages, redeeming a portion of their investment upon reaching an initial target return and then setting higher targets for subsequent redemptions [10]. - This method can be combined with the maximum drawdown strategy for enhanced risk management [10].