The rate depends on the subscription rates of these two funds. For example, the subscription rate of Fund A is 1.5%, and that of Fund B is 1%. If a is converted into b, there is no need to pay the subscription fee. If it is B to A, you need to pay a subscription fee, which is uncertain. The specific terms should be inquired on the website of the fund company.

If there is a fund after two years, there is generally no need to pay the redemption fee. Within two years, you need to make up a little.