It will be converted.

For funds that have been losing money for a long time, before deciding to sell or continue to hold them, you must first conduct a "health check" to see what causes the fund's long-term poor performance.

1. Do you want to transfer all the losses?

For funds that have been losing money for a long time, before deciding to sell or continue to hold them, you must first conduct a "health check" to see what causes the fund's long-term poor performance.

If the performance of this fund is not outstanding, its 1-year return ranking or 2-year return ranking among similar funds is not within the bottom 30%.

When investors buy it, the reason why they suffer losses is because they buy it in the area of ??high net worth in the previous period.

In this case, you can keep it and wait for the sector where the stock it is heavily invested in to rotate up, and then sell it when there is profit.

If the performance of this fund is very poor, its performance ranking will be at the bottom of similar funds for many years.

Such funds are basically abandoned by fund companies, and the fund managers who allocate them are also very weak.

Such a fund must be redeemed resolutely.

2. How to convert to other funds after redemption?

1. When switching in the same fund company and deciding to sell a fund with poor performance, you can find a fund with better performance in the same fund company and switch.

This has the following two benefits: First, it reduces the time of funds in transit, and you can subscribe for funds a few days earlier; second, it can save subscription fees. Generally speaking, only the redemption rate is charged for fund switching (if the holding time is longer, the redemption rate will be charged)

The return rate is also exempted), and the subscription fee for buying a fund is generally waived (in principle, the subscription fees of the two funds are subtracted and the difference is made up, but the subscription rates of the funds are almost the same, so there is no need to make up the difference)

.

2. Buy funds from another fund company. First, look for a fund company with strong earning power. Every fund company has statistics on its annual earnings, that is, how much money it makes for the people.

Moreover, there is a ranking list of fund companies making money every year.

When you want to buy a fund, you can choose to buy funds issued by fund companies with strong profitability.

In this way, your probability of profit from buying the fund will be greater.

The second is to find a brand fund manager. Although there are certain accidental factors in the creation of brand fund managers, in general, brand fund managers are still trustworthy.

If you buy funds managed by brand-name fund managers, you will have a higher chance of making money.

3. Switch among funds of different investment styles. After selling the fund that lost money before, you can switch to a fund of another style when considering buying a fund.

For example, if you purchased theme funds before, these theme funds have concentrated holdings. When the sector in which the stocks are held rises, the net value of the fund will rise rapidly, but the sector will soon become scarce, and the net value of the fund will also fall rapidly.

Once investors do not grasp the rhythm, it is easy to lose money when buying such theme funds.