First, individuals need to do it because they need money badly.

Second, the fundamentals of the fund have changed. That is, the company or fund manager to which the fund belongs has changed.

Third, compared with similar funds, the performance differentiation is obvious. If there is a clear gap in performance, we must find the real reason.

Fourth, views on the market outlook. If you are really no longer optimistic about the future market, choose to redeem the fund.

Fifth, there are no above four reasons to choose to hold firmly.