First, if you want to simply withdraw the fund income, then you should calculate the redemption share according to the premise that the redemption amount = income.

Only when it is fully redeemed can the so-called profit become a reality, and the real capital is the money in hand. Of course, there is a better way to extract income: transfer the fund to the stock base when it is high, and then transfer the original principal to the stock base when it is low, and deposit the income in the stock base, thus locking in the income.

Second, wealth managers believe that raising interest rates will become the norm. Under various uncertainties, the trend of the capital market is not optimistic. Is it necessary for investors to redeem some equity funds and wait until the market is clear before entering? In this regard, fund experts said that fund purchase and redemption will generate a lot of expenses. It is better to use fund conversion skillfully to convert stock funds into bond funds or monetary funds under the name of the same fund management company, so as to avoid the risk of stock market fluctuation and save a lot of money.

Avoid risks through fund conversion

Fund experts believe that, generally speaking, when the stock market rises, you should buy stock funds and share the benefits of economic growth and stock market rise; When the stock market fluctuates and falls, stock funds are converted into bond funds or monetary funds under the name of the same fund management company, so as to avoid the risk of stock market decline and keep the fund's income from loss.

The author needs to remind investors that fund variety conversion does not require redemption and re-subscription. In fact, there is another way to save time and money in fund investment skills-that is, fund conversion. The so-called fund conversion is a service provided by fund managers to fund holders, that is, investors can freely switch to other open-end funds managed by the fund management company after holding the open-end funds issued by the fund management company, and directly purchase the target funds without redeeming the existing funds first.

Fund conversion saves subscription costs.

According to experts, the biggest advantage of fund conversion business is to save time and money. Through the comparison of ways, it is found that if one fund is redeemed first and then another fund is purchased, not only the redemption fee but also the subscription fee will be paid. Under normal circumstances, if investors adjust their funds through fund conversion, they only need to pay redemption fees and subscription fees to make up the difference. At the same time, it takes five to seven days to redeem and re-purchase the general fund, and the time for fund conversion is the same as that for the general fund subscription. The fund company will give confirmation on T+ 1 day, and investors can inquire about the converted situation on T+2 day, which has convenient and fast time and cost advantages.

Don't be blind in fund conversion.

At present, many fund companies have introduced the fund conversion function, and investors can convert between different types of funds under the same fund company. When investors judge that the future stock market is risky, they can use this function to turn high-risk stock funds into low-risk money funds or bond funds; When you are optimistic about the market outlook, you can do the opposite and avoid market risks. Of course, when investors' own risk tolerance changes, they can also use the conversion function to configure investment products that meet their own goals. This year, the fluctuation of the capital market may become a major trend. It is not impossible to make rational use of fund conversion, seize the favorable opportunity of conversion and maximize the income. However, investors can't blindly and frequently switch funds because the net value of the fund is lower than psychological expectations in a short period of time, which not only increases the switching cost, but also may lose profit opportunities because of the original fund products.

There are also restrictions on fund conversion.

In fund conversion, we need to pay attention to four aspects: first, fund conversion can only be carried out under the same fund account of the same fund management company; Second, when the fund conversion business occurs, the transferred funds and the transferred funds must be in a "transaction" state; Third, fund conversion is usually only allowed between funds with front-end fees or back-end fees; Fourth, fund management companies generally set a minimum fund transfer share, most of which is 1000. Investors in the fund conversion business, it is best to consult the company held by the fund in advance, and then choose the opportunity to handle related business.