1, before 3pm, the fund will be converted and settled according to the net value of the day, and there will be income the next day. However, investors should pay attention to the fact that if it is converted into QDII, it will be settled according to the net value of the next day, so there will be no income the next day.
2. Only the conversion fee is charged for fund conversion, and the conversion fee = redemption fee for the transferred fund+replenishment fee for subscription.
3. The subscription compensation fee is the difference between the original subscription fee of the transferred-out fund and the original subscription fee of the transferred-in fund. If the transferred-out fund is less than or equal to the original subscription fee of the transferred-out fund, no subscription compensation fee will be charged.
Different fund companies have slightly different conversion rates. Please consult the fund company for details.
First, the fund's fixed investment taboo: stop investing if you lose money.
The mistake that everyone likes to make is to maintain a fixed investment for one or two years. With the trend of the fund, the mood rose and I regretted not buying more. When it falls, it is afraid of losing more. Finally, when it loses money, it stops investing. There is a big taboo in the fixed investment of the fund, which refers to this.
If you decide that the target is a fund, you must buy it even if it falls badly, because only when the fund is in a trough can the same money buy more stocks and reduce the average cost.
Only in this way can you go back to the beginning, and you can find a suitable opportunity to quit safely.
Second, the fixed investment method is not considered.
Although the fund's fixed investment is a lazy investment method, it can't be ignored all the time, not paying attention to the market dynamics, or even the dynamics of the fund you bought.
If most of the funds in the market are rising, but your fund is falling, then you should buy "garbage chicken".
So what we need to do at this time is to pay attention to whether the fund team of this fund has changed, or whether this fund holds junk stocks. If so, it is necessary to redeem the fund in hand in time to avoid falling again.
3. Are bond funds and money funds suitable for fixed investment?
If you want to buy a fixed investment fund, it is recommended to choose one with large price fluctuations.
Fixed investment can make the price fluctuation smooth, but some people choose to invest in bond funds and monetary funds, which have little fluctuation, so it is meaningless to invest in debt-based or goods-based funds.
In the unilaterally rising bond market, one-time investment will earn more.
Therefore, it is necessary to buy a volatile fund variety and make a fixed investment. There are many kinds of funds. Personally, I suggest choosing partial stock funds or index funds with large fluctuations.
At the present stage of China stock market, the income of active funds is obviously greater than that of passive funds. But for the fixed investment of the fund, the focus is on long-term investment. Relatively speaking, passive funds reduce the artificial uncertainty of fund companies, so according to the experience of developed countries, the average performance of passive funds in long-term investment is better than that of active funds.