Transformation is a good tool. When the market risk becomes greater, the assets in the mixed base can be transferred to the money fund to enjoy fixed income and avoid risks; When you are optimistic about the market, you can switch to mixed base, stock base and so on. At that time, there will be preferential prices.

At present, many direct selling websites of fund companies have better convenience and measures for switching between mixed base and goods base.

For example, ICBC Credit Suisse's Monetary Fund (482002) can be converted into equity funds, mixed funds and index funds, and all of them can enjoy zero rate. At the same time, if you need money urgently, you can redeem it from stock funds, hybrid funds and index funds to the money fund, and T+ 1 confirm it, and T+ 1 withdraw the bank card quickly through the money fund after 3 pm. At least 2 days faster than ordinary redemption.