Is the 20% of the fund income redeemed in full or in part according to your fund amount? If you invest a lot of money in a fund, say 200,000 to 300,000. So your 20% has 50 thousand or 60 thousand? You can redeem it all at this time. If your capital is relatively small, for example, only 20,000 to 30,000 yuan. And your 20% income is four or five thousand yuan. Personally, I don't think it is necessary to redeem because the fund is a long-term investment variety. You can do it according to your own economic situation. When the economic situation is good and the value is low, you can buy more at once. If your financial situation is average, you can take the form of fixed investment. One advantage of fixed investment is that you can share the cost of your fund. That is, when the fund's net worth is high, it buys less shares, and when the fund's net worth is low, it buys more shares. Once this is averaged, the average cost of your fund will also be pulled down.