Timing: If investors have certain market experience, they can invest in money market funds when the market is depressed, and then convert the money funds into corresponding stock funds when the market improves. In this way, on the one hand, investors can enjoy the money fund income higher than the bank time deposit, and at the same time, they can also enjoy the income brought by the market rise. Similarly, if investors feel that the market is weak, they can convert equity funds into money market funds to avoid the impact of market fluctuations on realized returns. Rate: When the fund is converted, investors only need to pay a lower conversion rate instead of a higher redemption and subscription rate. Generally speaking, in order to retain investors, fund management companies generally set a conversion rate of one thousandth (non-monetary funds are converted to each other), that is, the conversion rate of 1 10,000 yuan of assets payment 1 yuan, while the relative redemption and subscription rates are five thousandths and one point five percent respectively, that is, the assets of 1 10,000 yuan need to pay the redemption and subscription rates in 20 yuan. Suitability: When some investors buy funds, they don't know much about the funds they buy. Obviously, the investment market with high risk tolerance is volatile, and the timing of switching is very important. Therefore, they buy hybrid funds. However, some investors don't like funds with large fluctuations in net value, but bought stock funds by mistake when they bought them. When this happens, investors are advised not to redeem the fund immediately, but to choose the way of fund conversion to convert their existing funds into suitable fund products. According to the form of macro fund, investors should pay attention to the trend analysis of macro economy and various financial markets. In the economic recovery period, when the stock market is improving, investors should choose equity funds; When the economy is booming and the stock market rises to a high level, investors should gradually switch to hybrid funds; When the interest rate is high and the economy is overheated, investors can switch to bond funds or money funds. According to the trend of the securities market, when the stock market starts to pick up after a long-term decline, it is suitable to convert monetary and bond funds into stock funds to fully enjoy the benefits brought by the stock market rise; When the stock market begins to decline after a long-term rise, it is appropriate to convert stock funds into monetary funds or bond funds to avoid risks. According to the profitability of specific funds, choose the timing of conversion. With the continuous growth of fund scale, large fund companies usually have several different styles of allocation funds and equity funds, which will inevitably lead to performance differences. When the investment ability of the target fund is outstanding and the net value growth potential of the fund is great, the fund with relatively poor performance can be considered to be transferred out. ?