Generally, you don't transfer funds often. Take a look at the following online excerpts, which may be helpful to you: funds should be skillfully used for switching businesses. Date of publication: April 7, 2009 Source: Xinhua News Agency-Zhumadian Daily Editor: Admin can subscribe to Zhumadian Mobile Newspaper by sending a short message to 10658300, with a daily fee of 1 and no GPRS traffic charge. Since the beginning of this year, the stock market has picked up, and many investors tend to choose the fund to vote. However, financial experts have warned that improper fund investment will also cause investment losses in the current period of large stock market fluctuations. Therefore, investors can use fund switching business to avoid investment risks caused by market fluctuations by switching between funds with different risk levels. "Investors should do a good job in long-term investment planning and asset portfolio, establish investment goals and directions, and avoid the collision of different types of assets during stock market fluctuations; It is not appropriate to pay too much attention to the short-term performance of the fund's fixed investment, and it is not possible to buy and sell funds frequently because of the pursuit of short-term performance. " The financial planner of Chongqing Branch of CITIC Bank said that investors can change the investment varieties of funds through fund conversion business, and enjoy certain preferential rates compared with normal redemption and re-subscription business. Moreover, after the fund shares are converted, the original holding time will continue to be calculated. The longer the holding time, the lower the redemption rate. The specific operation mode of fund conversion business is that when the stock market continues to fall, investors can convert high-risk stock funds into low-risk bond funds or money funds; When the stock market is improving, investors should convert bonds or money funds into stock funds. At the same time, the financial planner reminds investors that if they want to choose a long-term and stable investment method, they can adopt the "back-end charging" model. The characteristic of this model is that the longer it is held, the lower the rate, which is conducive to compound interest and appreciation. In addition, in the period of stock market fluctuation, investors had better choose fund redemption, that is, according to their own needs, they should redeem a fixed share of funds on a fixed date every month. Therefore, if the market is in an adjustment period, only a part of the funds will be redeemed; When the market picks up, the market value of the fund will continue to increase. Although the share of redemption is the same every month, the actual redemption amount is different.