When a high-net-worth fund is converted into a low-net-worth fund, the market value of the fund has not changed, but the investment target will be different, which will bring different future investment returns to investors. Although the net value of the fund will further affect the cost of investors to buy fund shares, it is still the ability of fund management and operation that determines the future growth of the fund. On the same starting line, high-net-worth funds have obvious investment advantages over low-net-worth funds. However, it is absolutely necessary for investors to turn low-net-worth funds into high-net-worth funds as long as the fund's future net-worth growth ability is super strong.