[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-JP2020052121042881242":3,"related-JP2020052121042881242":34},{"pageSize":4,"id":5,"productLine":6,"status":7,"articleCode":8,"articleType":9,"showStyle":7,"mediaType":10,"fileInputUrl":11,"articleTitle":12,"coverImage":13,"listImage":14,"introduction":15,"description":16,"nonVipDescription":11,"postTime":17,"viewTime":18,"sortNumber":19,"isFree":20,"isShowList":7,"isRecommend":20,"linkType":7,"isOriginal":6,"hasMiniUrl":20,"hasAdvertising":20,"updateBy":21,"createTime":22,"visitCount":23,"isLiked":20,"realSearch":24,"isRead":20,"productId":25,"isCollected":20,"collectCount":26,"vipExclusive":20,"allowComment":7,"style":27,"canCopy":20,"likeCount":4,"duration":20,"playStyle":7,"seoKeywords":28,"articleModuleVoList":29,"extendContentList":30,"noteCount":31,"categoryList":32,"dailyKeywordList":33},10,2362,"1",1,"JP2020052121042881242","1041018",3,"","急用钱，我该先卖哪只基金？","https:\u002F\u002Fimage.jane7.com\u002F9e42bed8-2adc-48cd-b99d-5654f75f3bae.png","https:\u002F\u002Fimage.jane7.com\u002F019409c0-296b-4df3-b7fb-9f045fca627c.png","希望在每一次买入和卖出的选择过程中，你都可以朝更成熟、理性的投资者靠近一步。","\u003Csection>\n \u003Csection>\n  \u003Csection>\n   \u003Csection>\n    \u003Csection>\n     \u003Csection>\n      \u003Csection>\n       \u003Csection>\n        \u003Csection>\n         \u003Cp style=\"text-align:justify; margin: 5px 16px; vertical-align: inherit; line-height: 1.5em;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; visibility: visible; font-size: 14px; color: rgb(127, 127, 127); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">本文精选于【简七来信】合集。\u003C\u002Fspan>\u003C\u002Fp>\n         \u003Cp style=\"text-align:justify; margin: 5px 16px; vertical-align: inherit; line-height: 1.5em;\">\u003Cspan style=\"max-inline-size: 100%; margin: 0px; padding: 0px; outline: 0px; cursor: text; max-width: 100%; visibility: visible; font-size: 14px; color: rgb(127, 127, 127); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: arial, helvetica, sans-serif;\">如果你也有一些投资或者生活中的困惑，我们的邮箱：7dian@jane7.com 长期为你开放，欢迎写信告诉我们。\u003C\u002Fspan>\u003C\u002Fp>\n        \u003C\u002Fsection>\n       \u003C\u002Fsection>\n      \u003C\u002Fsection>\n     \u003C\u002Fsection>\n    \u003C\u002Fsection>\n    \u003Cp style=\"text-align:justify;vertical-align:inherit;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n    \u003Cp style=\"text-align:justify; vertical-align: inherit; line-height: 2em; margin-left: 16px; margin-right: 16px;\">前几天收到读者朋友阳光的来信。她问，自己现在有一些用钱需求，需要卖出一些基金，但持有的基金不少，不知道该怎么卖出合适。  \u003Cbr>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Cbr>  \n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">\u003Cimg class=\"rich_pages\" src=\"https:\u002F\u002Fimage.jane7.com\u002F5fc2fde0-56e5-4027-ba65-397706527faa.jpg\">\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; line-height: 1.5em; margin-left: 16px; margin-right: 16px;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">\u003C\u002Fspan> \u003Cspan style=\"color: rgb(136, 136, 136); font-size: 13px; letter-spacing: 0.544px; text-align: justify; background-color: rgb(255, 255, 255); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Source Han Sans CN UI", "Source Han Sans CN", Arial, sans-serif;\">来自阳光：\u003C\u002Fspan> \u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(136, 136, 136); font-size: 13px; letter-spacing: 0.544px; text-align: justify; background-color: rgb(255, 255, 255); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Source Han Sans CN UI", "Source Han Sans CN", Arial, sans-serif;\">其中富国天惠从15年开始定投，其它基金去年开始投入。资金需求3万块，希望尽快提出。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Cp style=\"text-align:justify; vertical-align: inherit; margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-size: 17px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Source Han Sans CN UI", "Source Han Sans CN", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"vertical-align: inherit; margin-left: 16px; margin-right: 16px;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002Fb531bcc0-0161-4106-bd33-25780ff757dc.jpg\" alt=\"图片\">\u003C\u002Fp>\n  \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n  \u003Csection>\n   \u003Csection>\n    \u003Cp style=\"text-align:justify; vertical-align: inherit; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px; text-align: justify;\">从阳光的来信看，她现在持有的基金种类还是比较多的。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify;vertical-align:inherit;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cstrong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px; color: #D6A841;\">所以第一步，我们先来梳理一下所有持有的产品情况。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify;vertical-align:inherit;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n   \u003Csection>\n    \u003Cp style=\"text-align:justify; vertical-align: inherit; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">我会建议关注2个地方：一个是基金类型及特点，二是梳理一下当时的买入原因。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003C\u002Fsection>\n   \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cstrong style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(51, 51, 51); font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Source Han Sans CN UI", "Source Han Sans CN", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">这一步会先给到我们一些卖出次序的信息。\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(51, 51, 51); letter-spacing: 0.544px; text-align: justify; background-color: rgb(255, 255, 255); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Source Han Sans CN UI", "Source Han Sans CN", Arial, sans-serif;\">\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(51, 51, 51); letter-spacing: 0.544px; text-align: justify; background-color: rgb(255, 255, 255); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Source Han Sans CN UI", "Source Han Sans CN", Arial, sans-serif;\">比如，经过整理后我们发现，阳光持有4只基金，和4个基金策略。\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(51, 51, 51); letter-spacing: 0.544px; text-align: justify; background-color: rgb(255, 255, 255); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Source Han Sans CN UI", "Source Han Sans CN", Arial, sans-serif;\">这4只基金中，华夏翔阳是一只定期开放基金，现在仍然在封闭期，是想卖也无法操作的；\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"vertical-align:inherit;\">\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cspan style=\"color: rgb(51, 51, 51); letter-spacing: 0.544px; text-align: justify; background-color: rgb(255, 255, 255); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Source Han Sans CN UI", "Source Han Sans CN", Arial, sans-serif;\">而4个基金策略，都有自己的策略卖出逻辑，需要结合策略逻辑来考虑能不能卖。比如长赢，是跟随主理人买入和卖出，不适合自行操作卖出，因此卖出的优先级也需要排后。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cbr>  \n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cstrong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px; color: #D6A841;\">第二步，重新评估下最初的投资逻辑，是否仍然成立。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify;vertical-align:inherit;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">讲几个可以考虑卖出常见的情况：\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify;vertical-align:inherit;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cstrong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">1）达到设定的止盈止损线\u003C\u002Fspan>\u003C\u002Fstrong> \u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">如果你曾经在买入某只基金时，给自己设定了一个15%收益率的目标，而且现在已经到达目标，那么可以考虑优先卖出这只基金。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify;vertical-align:inherit;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cstrong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">2）阶段性的主题投资卖出\u003C\u002Fspan>\u003C\u002Fstrong> \u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">如果一些投资，在买入时，就是一个阶段性的热点投资，不打算做长期投资，那么也可以考虑先卖出。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify;vertical-align:inherit;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cstrong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">3）重新评估买入的前提条件\u003C\u002Fspan>\u003C\u002Fstrong> \u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">比如你是因为一位优秀的基金经理买入某只基金，那么可以关注下这位基金经理的近期状况，是否表现一如既往地稳定，投资风格没有发生太大变化，等等。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify;vertical-align:inherit;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">简而言之，如果最初的投资目标已经达到、或者投资逻辑不成立了，那么对应的基金产品，可以被列入优先卖出的选择。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify;vertical-align:inherit;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">在这个案例中，我们暂时忽略这一步的影响。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify;vertical-align:inherit;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cstrong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(214, 168, 65);\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">第三步，如果投资逻辑没有变化，我们再来看看一些一般性的卖出思路。\u003C\u002Fspan>\u003C\u002Fstrong> \u003Cbr> \u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify;vertical-align:inherit;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cstrong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">1. 优先考虑卖出货币型基金，其次是债券型基金\u003C\u002Fspan>\u003C\u002Fstrong> \u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify;vertical-align:inherit;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">货币基金就不说了，本身就承担了提供流动性的角色。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify;vertical-align:inherit;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">债权类的基金，相对混合基金和股票型基金的波动会小一些，不太会出现大涨大跌的情况，短期内卖出后再买入，差价不会太大，不太会影响我们的收益，可以作为第二类卖出考虑。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify;vertical-align:inherit;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">xx持有的策略组合稳稳的幸福，其实是一个\u003Cstrong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">偏稳健\u003C\u002Fstrong>的基金组合，里面除了债券型基金外，还有几只混合型基金，但整体还算比较稳健，可以作为第二卖出次序的考虑。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify;vertical-align:inherit;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">这两个策略加起来，能提供1.43万的流动性。\u003C\u002Fspan> \u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify;vertical-align:inherit;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cstrong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">2.针对股票型基金，把被动的指数基金和主动型基金分开来看。\u003C\u002Fspan>\u003C\u002Fstrong> \u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify;vertical-align:inherit;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">被动型的指数基金，我们主要可以参考估值来进行判断。\u003C\u002Fspan> \u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">比如xx持有的华夏中证5G，是一直跟踪中证5G的指数型基金，我们可以看估值来判断指数当下是高估还是低估的状态。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify;vertical-align:inherit;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">而主动型的基金，卖出的逻辑会复杂一些。我建议可以结合着几个因素来进行判断：\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"vertical-align:inherit;margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cstrong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">1）考虑持有成本：\u003C\u002Fspan>\u003C\u002Fstrong> \u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">比如xx坚持定投富国天惠已经有较长时间，已经积累了较多低成本的筹码，那么可以考虑先卖出那些持有时间相对较短的基金\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify;vertical-align:inherit;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cstrong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">2）考虑持有的舒适度：\u003C\u002Fspan>\u003C\u002Fstrong> \u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">真金白银地持有一段时间之后，你往往会对基金的表现有了一个更直观的感受，拿着这只基金的体验是否让你觉得舒服。如果一个基金收益很高，但是波动很大，常常让你感到担心，那也是优先卖出的对象。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify;vertical-align:inherit;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">所以偏股类的基金卖出，其实是有一定的主观判断在里面的。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify;vertical-align:inherit;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cstrong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">\u003Cstrong style=\"margin: 0px; padding: 0px; max-width: 100%; color: rgb(51, 51, 51); font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Source Han Sans CN UI", "Source Han Sans CN", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">针对阳光同学的情况，我也提供一个思路，仅供参考：\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fstrong> \u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"vertical-align:inherit;margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">1）考虑卖出当下较为高估的华夏中证5G ETF（将盈利落袋，获得1.15w现金）\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">2）减仓部分华夏回报或极简投资（补足剩下的4.2k需求缺口）\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify;vertical-align:inherit;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">这不是什么标准答案，只是一个参考思路。如果xx长期看好5G的发展，尤其是5G作为新基建的重要内容，最近可能会跟着两会的政策落地，迎来一波利好行情，也可以保留这只5G指数基金，优先卖出其它基金。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify;vertical-align:inherit;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">最后想再补充两点：\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"vertical-align:inherit;margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cstrong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">1）最好日常的现金管理，用\u003C\u002Fspan>\u003C\u002Fstrong> \u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #D6A841;\">\u003Cstrong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">长期不用的钱\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan> \u003Cstrong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">，进行金鹅池的投资。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify;vertical-align:inherit;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">虽然从资金效率看，我们应该把尽可能多的钱投入生息，但保持一定的应急流动性也很重要。你想，如果真的碰到急用钱的情况，只能靠卖出一些原本打算长期持有的投资来应急，很可能会损失较大。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify;vertical-align:inherit;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">除了日常3-6个月的应急准备金，在长期投资的组合中，保持一定的现金仓位，也很有必要，市场价格低时进可攻，有其它需求时退可守。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify;vertical-align:inherit;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cstrong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">2）每次卖出时，也是一个重新回顾和检验我们投资逻辑的机会。\u003C\u002Fspan>\u003C\u002Fstrong> \u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify;vertical-align:inherit;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">可以借这个机会重新审视一下自己的投资，当时买入的逻辑是否还在。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"vertical-align:inherit;margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify; vertical-align: inherit; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">如果一些基础逻辑发生了变化，或者有发现了有更高潜在收益的替代品，那么也别纠结。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"text-align:justify;vertical-align:inherit;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Cp style=\"text-align:justify; vertical-align: inherit; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">希望在每一次买入和卖出的选择过程中，你都可以朝更成熟、理性的投资者靠近一步。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;vertical-align:inherit;line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify; vertical-align: inherit; line-height: 2em; margin-left: 16px; margin-right: 16px;\">\u003Cspan style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">\u003Cspan style=\"color: rgb(51, 51, 51); letter-spacing: 0.544px; text-align: justify; background-color: rgb(255, 255, 255); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Source Han Sans CN UI", "Source Han Sans CN", Arial, sans-serif;\">好啦，这个问题就聊到这里。欢迎留言聊聊你的建议和看法~\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n\u003C\u002Fsection>","2022-05-30 10:08:47","2022-05-30 00:00:00",100,0,"zhanglizi@jane7.com","2020-05-21 21:04:28",273,false,6798,19,"1038002","基金,指数基金",[],[],13,[],[],[35,47,56,65],{"pageSize":4,"articleWikiId":36,"wikiName":37,"articleCode":38,"locationType":39,"sortNumber":40,"articleTitle":41,"introduction":42,"coverImage":43,"likeCount":20,"realSearch":24,"createTime":44,"seoUrl":45,"seoKeywords":46},93,"基金定投","JP2020072410072665311",2,20200724,"小白买基金，怎样才能多赚一点？","小白对于买基金，其实问题还挺多的，今天就大家最爱问的3个问题，来聊一聊","https:\u002F\u002Fimage.jane7.com\u002F0fec0cb0-28c1-4c19-bfa8-e5ca1c66e103.png","2020-07-24 10:07:26","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2020072410072665311-93.html","指数基金,基金,财商",{"pageSize":4,"articleWikiId":36,"wikiName":37,"articleCode":48,"locationType":39,"sortNumber":49,"articleTitle":50,"introduction":51,"coverImage":52,"likeCount":20,"realSearch":24,"createTime":53,"seoUrl":54,"seoKeywords":55},"JP2020070816502237459",20200708,"什么是指数基金？有哪些特点和优势","打个比方：如果说，把单个股票，看作一首首单曲的话，指数就是我们现在，经常能在音乐软件里找到的各类「歌单」。","https:\u002F\u002Fimage.jane7.com\u002Fd73aeced-bb44-4b08-9611-f1aeeff6b675.png","2020-07-08 16:50:22","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2020070816502237459-93.html","财商,指数基金,基金",{"pageSize":4,"articleWikiId":36,"wikiName":37,"articleCode":57,"locationType":39,"sortNumber":58,"articleTitle":59,"introduction":60,"coverImage":61,"likeCount":20,"realSearch":24,"createTime":62,"seoUrl":63,"seoKeywords":64},"JP2020072710310361045",20200727,"买新基金是不是比老基金好？该如何选？","今天来和大家科普一下买新基金可能会踩的3个坑","https:\u002F\u002Fimage.jane7.com\u002F464c9418-333b-4742-9a6a-ddaa35f24c11.png","2020-07-27 10:31:03","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2020072710310361045-93.html","基金",{"pageSize":4,"articleWikiId":66,"wikiName":67,"articleCode":68,"locationType":39,"sortNumber":69,"articleTitle":70,"introduction":71,"coverImage":72,"likeCount":20,"realSearch":24,"createTime":73,"seoUrl":74,"seoKeywords":75},96,"股票投资","JP2020070918063923101",20200709,"大涨了！到底该不该卖出？5个关键与3点提示","涨了这么多，到底要不要卖？怎么卖？","https:\u002F\u002Fimage.jane7.com\u002F2f8ed97f-e41e-4780-8121-c50217f45bac.png","2020-07-09 18:06:39","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2020070918063923101-96.html","牛市,大涨"]