以下文章来源于我画你财 ，作者我画你财 我画你财 . 告别枯燥理论，看图学习理财。 ↑点击上面图片 加雪球核心交流群 ↑ 投资， 买入 容易 卖出 难。 都说会卖的才是师父，何时止盈锁定收益，正是投资从入门到进阶的关键。 今天分享一下止盈的方法，看看哪种最简单、好操作。 1. 目 标 止盈 法： 定一个 【明确目标】 方式是 入场前定规 则，达标后必执行 。 就像出门前定好目的地，到点就下车。 第一步： 根据买的 基金 类型，设置不同的 预期 收益 率 。 风险高的收益目标要定高一点，风险低的定太高也达不到： 第二步， 严格执行，不恋战 一旦收益达标，就要果断动手，这一点尤其重要！ 实操难度： ★★★★★（最难） 适合人群： 严守 纪律的 冷血 投资人 目标 止盈 法 看似最容易，实际最难了。 2. 最大回撤 止盈 法：涨时跟得上，跌时跑得快 这是第一个目标止盈法的升级版，同样也是先定一个预期收益率，再加设一个下跌线。 超过预期收益率后不卖，如果继续涨就拿着，下跌的话到了下跌线就卖出。 实操难度： ★★★★★ 既要对抗人性的贪婪和恐惧，还要有准确的市场判断和择时能力。 否则要么在一直下跌的熊市，没熬到目标收益 ...

Core Viewpoint - The article discusses strategies for investors to consider when their fund accounts reach new highs, emphasizing the importance of balancing profit-taking and risk management [1] Group 1: Profit-Taking Strategies - The concept of profit-taking is highlighted, with the saying "buying is for apprentices, selling is for masters" underscoring its importance [2] - Target return method is a straightforward approach where investors set a predetermined return rate before buying and sell once that target is reached [2] - The partial profit-taking method is recommended for the current market environment, allowing investors to lock in some profits while retaining a portion of their investment for potential further gains [2] - The maximum drawdown method is useful in a bull market, where investors set a drawdown threshold (e.g., 10%) and only consider selling if profits fall below this level [2][3] Group 2: Risk Management through Diversification - The article notes a recent market trend of rapid sector rotation, making it risky to chase hot sectors [4] - Balanced allocation is emphasized as crucial, advising against concentrating investments in a single area and instead spreading investments across various industries [4] - Even after achieving profits, adjusting the portfolio is necessary to manage risks, ensuring that overall volatility remains manageable [4] Group 3: Utilizing ETFs for Balanced Investment - Broad-based ETFs are presented as an effective tool for achieving a balanced investment portfolio, offering risk diversification [5] - Examples include the CSI 300 ETF, which includes 300 representative companies from the A-share market, and the CSI A500 ETF, which covers a wide range of leading companies across various sectors [5] - ETFs typically have lower management fees compared to actively managed funds, which can lead to significant cost savings over time [5] - The flexibility of ETFs allows investors to adjust their positions easily during trading hours, similar to stocks [5] Group 4: Psychological Aspects of Investing - The article emphasizes that investing is fundamentally a psychological game, particularly at market highs where greed and fear can be amplified [6][7] - To combat these emotions, it is advised to create and adhere to a plan that outlines specific conditions for profit-taking and loss-cutting [7] - Maintaining a long-term perspective is crucial, focusing on quality assets rather than short-term market fluctuations [7] Group 5: Conclusion - The article concludes that whether to take profits or continue holding investments, the key is to find a strategy that aligns with individual investment goals [8] - It reinforces the notion that investing is a marathon, not a sprint, and emphasizes the importance of rationality and risk control at market peaks [8]

Group 1 - The article emphasizes the importance of regular investment through fund dollar-cost averaging, which allows investors to avoid timing the market and reduces the risk of making poor investment decisions [4][5][8] - It highlights that dollar-cost averaging is a systematic investment approach that involves investing a fixed amount at regular intervals, thus averaging out the cost of investments over time [7][8] - The article discusses the benefits of this method, including the ability to accumulate quality shares at lower costs during market downturns, which positions investors favorably for future market rebounds [8][9] Group 2 - The article provides various stop-profit strategies for investors, including target profit method, maximum drawdown method, and others, to help secure gains and manage risks effectively [9][10] - The target profit method is described as a straightforward approach where investors set a profit goal and sell once that target is reached, which can be automated through many platforms [9] - The maximum drawdown method allows investors to set a limit on how much they are willing to lose after reaching their profit target, thus helping to avoid missing out on future opportunities during market uptrends [10]