In fact, in terms of cost, it is estimated that the rate of conversion fee and subscription fee should be similar; From the process point of view, it usually takes 2-3 working days to redeem before buying. Your trading date and the start date of net worth calculation are both in 2-3 days, and the specific fund companies and bank channels are different. If it is a conversion, it is much more convenient to calculate the net value of equity funds from this day as long as the order is placed successfully before the market closes on the same day. So the two ways depend on your judgment of the current market. If you think you are about to bottom out, change; If it may fall for a few days, get the money back first and then wait for an opportunity to sell it. If you don't put it down, redeem it before applying.