The income from fund investment comes from the future. For example, if you want to redeem stock funds, you can first look at whether the future development of the stock market is a bull market or a bear market. Then decide whether to redeem or not, and make a choice on the timing.

Converting high-risk fund products into low-risk fund products is also a kind of redemption, such as converting stock funds into money funds. This can reduce the cost, the conversion fee is generally lower than the redemption fee, while the money fund has low risk, equivalent to cash, and the income is higher than the current interest.

Extended data:

After the fixed investment, no matter how the market fluctuates, they will buy a fixed amount of funds with different net worth every month, automatically forming an investment mode of lightening positions on rallies and adding positions on dips, so that the average cost is at the middle level of the market.

The fluctuation range of the whole year will be greater, and the risk of direct one-time investment will be greater. However, if you choose to invest regularly and stick to it, it will smooth the investment cost in the long run.

The general starting point of fixed investment business is 100 ~ 300 yuan, which greatly lowers the investment threshold and provides convenience for small investors, so regular fixed investment is more suitable for working class.