Core Viewpoint - The article discusses various methods for profit-taking in investments, particularly focusing on index funds, and highlights the advantages and disadvantages of each method [1][5][21]. Group 1: Profit-Taking Methods - Method 1: Profit-taking based on return rate, typically considering a 30% return as a threshold for selling [5][7][8]. - Method 2: Profit-taking based on overvaluation, using a star rating and valuation table to assess when to sell [9][11][24]. - Method 3: Long-term holding without selling, relying on dividends for income, which is suitable for high-dividend stocks [27][30]. Group 2: Historical Case Studies - A case study from 2018 to 2021 illustrates the effectiveness of buying undervalued assets and selling when they reach overvaluation, resulting in significant profits [15][19]. - Another example from 2018 to 2025 shows investments that remain at normal valuation, indicating a strategy of holding until overvaluation occurs for profit-taking [19]. Group 3: Monthly Cash Flow Investment Strategy - The "Monthly Salary" investment strategy allows for flexible cash flow management, providing regular income while maintaining asset growth [42][46]. - The strategy has shown stability in cash flow distribution, even during market downturns, with a maximum drawdown of only -9.13% since inception [52][54].

Core Viewpoint - The article discusses various methods for profit-taking in single index funds, highlighting their advantages and disadvantages, and introduces a cash flow investment strategy through a managed portfolio called "Monthly Salary Treasure" [1][40]. Group 1: Profit-Taking Methods for Single Index Funds - Method 1: Profit-taking based on return rate, typically considering a 30% return as a threshold for selling [4][7]. - Method 2: Profit-taking based on valuation, where low valuation is suitable for investment, normal valuation for holding, and high valuation for selling [10][11]. - Method 3: Long-term holding without selling, relying on dividends as a profit source, which is a strategy endorsed by investment experts [27][30]. Group 2: Details on Profit-Taking Methods - For Method 1, the simplicity of execution is a key advantage, but it risks missing out on significant bull market gains [9][24]. - Method 2 allows for a structured approach to selling based on market conditions, with a historical success rate demonstrated through various market cycles [17][19]. - Method 3 is less stressful as it does not require constant market monitoring, but it demands high-quality dividend-paying investments [30][31]. Group 3: Monthly Salary Treasure Managed Portfolio - The "Monthly Salary Treasure" portfolio allows for flexible cash flow options, with the ability to choose between weekly or monthly distributions [41][42]. - The cash flow distribution is stable regardless of short-term market fluctuations, with an estimated annual payout of about 6% of total assets [46][45]. - The portfolio employs an automatic rebalancing strategy to maintain a balanced stock-bond ratio, optimizing returns during different market conditions [60][62].