Losing money means that the fund you bought before lost money. This has nothing to do with your switching to other funds. This is equivalent to selling the old fund and buying a new one. For example, your original capital amount was 1000 yuan, and after the loss, it became 800 yuan. If you change to a money fund, it is equivalent to buying a money fund with 800 yuan.

1. The conversion from income to choice means the end of income, which can be understood as loss. If it is a subscription, its losses should also be included in the subscription fee. It should be calculated as follows: the money you get in the future is equal to the money you took out at that time. In other words, if the redemption fee is deducted when you choose to redeem, it is equal to the amount you originally purchased, and it will be flat. Take the 0.5% redemption rate of 1W yuan as an example: the number of income shares: 10000 * 0.99 = 9900, and the number of selected shares: 0.938 * 9900/1.031= 9006.98. 0.995) = 1. 1 158, so your choice is flat before1.158. The conversion of other funds is similar, and there will be some differences between the conversion rate and redemption rate.

2. Fund conversion loss Fund conversion means that investors can directly convert their fund shares into the fund shares of other open-end funds managed by the company after holding any open-end funds issued by the company. So, is the fund conversion cost-effective? In fact, the main purpose of fund conversion is to help investors convert loss-making funds into better funds of the same company without paying redemption fees and subscription fees. It is very important for investors to grasp the market trend, because the definition and timing of fund losses are very important. Some loss-making funds may be because the market is in a state of decline, and their own operational problems are not big. As long as the market rebounds, they will turn losses into profits, while funds converted in advance will lose money. Some funds suffered large losses and showed signs of liquidation and delisting. At this time, it is necessary to decisively convert redemption. Although the conversion will lose some money at this time, we have no possibility of suffering more losses.

3. Fund conversion skills: (1) Compared with general redemption and re-subscription, fund conversion skills save redemption and subscription costs and reduce investment costs. ⑵ When investors' income or risk tolerance changes, fund conversion can change investment funds. ⑶ When the stock market fluctuates greatly, investors can disperse and avoid some investment risks caused by market fluctuations by switching between different funds. We talked a lot about the cost-benefit conversion of loss-making funds. I hope it helps you. Tips: Financial management is risky, and investment needs to be cautious.