As long as the fund shares that have been successfully subscribed before can be redeemed. But now I personally don't recommend you to redeem it at the bottom now. Now you can buy more stocks by sticking to a fixed investment. "Regular quota" is characterized by average investment cost. Due to the regular purchase of a fixed amount of funds, in the case of a strong market, the number of stocks bought is small; When the market is weak, the buying share increases. Through this method of "reducing positions on rallies and increasing positions on dips", "regular fixed investment" reduces the impact of systemic risks on the fund to a certain extent. In the long run, the investment income will be close to the average level of market income. At the same time, the investment risk will also come from the unequal position of ordinary investors in professionalism and information channels. Because it is difficult for them to grasp the node of stock market fluctuation in time, they often buy at a relatively high point and are forced to sell at a relatively low point. Therefore, this investment method is suitable for those investors who have investment aspirations and avoid risks to a certain extent. In the industry, a real case is widely known: Franklin Templeton Fund Group1997 launched a Templeton Thailand fund in Thailand in June, and the fund manager who managed the fund was Dr. Mark Mobiles, who was honored as the "godfather of emerging markets" by The New York Times. At that time, the issue price of the fund was 10 USD. On the day of issuance, a customer who is optimistic about Thailand started his two-year fixed investment plan, with a fixed investment of $65,438+0,000 per month. However, just one month after this customer bought Templeton Thailand Fund, the Asian financial turmoil broke out. The net value of this fund fell with the Thai stock market. At first, the face value of $65,438+00 became $2.22 after 65,438+05 months, which suddenly shrank by 80%. Later, although the net value improved, it rose to $ 6. 13 when the customer's two-year fixed increase plan expired. From the perspective of "timing", this customer did choose a very bad time to enter the market, but there is no need to sympathize with his haste, because his two-year investment has not lost money. On the contrary, the rate of return has actually reached 4 1%. A simple arithmetic can explain this customer's "miracle" rate of return: $65,438+0,000 fixed investment per month. Assuming that fees and other expenses are ignored, he will get 65,438+000 shares when the face value of the fund is $65,438+00, and he will get about 450 shares when the face value of the fund falls to $2.22-the lower the face value of the fund, the more he will get. After two years of continuous investment, his average cost is only $4, which is not only lower than the face value of the initial investment 10, but also lower than the face value of 6. 13 at the end of the investment! This is the mystery of the fixed-term investment method, which effectively avoids the problem of "timing" and is especially suitable for volatile market. It is understood that in overseas mature markets, more than half of households regularly invest in funds. Of course, this investment method needs to focus on the long term. Statistics show that as long as the fixed amount exceeds 10 years, the loss probability is zero, so it is especially suitable for medium and long-term investments, such as children's education funds and pensions. To sum up, foundations with fixed investment of 10 years or more have good returns, depending on how long you hold them, but it is recommended to reinvest with dividends.