Generally speaking, as long as it is not the overall decline or bear market cycle caused by systemic risks, investors are not advised to redeem or sell. For example, if you buy a fund at the end of the bull market, if you don't sell it all the time, you will be deeply trapped, so if the securities market starts to decline, sell the stop loss in time. In addition, it is still recommended not to sell:

First: the fund should invest for a long time to see the return. If it is redeemed in a short time, it is easy to buy high and sell low, which will also affect the mood of investors after losses.

Second: after buying the short-term loss of the fund at one time, you can wait until the net value of the fund falls to cover the position, thus diluting the cost and waiting for the rise.

Third: if the fund loses money in the short term, don't worry about redemption. Because the more you fall, the more stocks you buy at a time.

Fourth: China stock market is dominated by structural market, so it will fall in the short term, but the probability of rising in the future is still very high.

Extended data:

Fund redemption rate standard:

Fund redemption is a transaction in which investors sell their fund shares to fund companies and recover cash. So, what is the standard of fund redemption rate?

Fund redemption rate refers to the proportion of fees paid by investors when they sell their fund shares. The redemption rate will vary with the holding time of the fund.

According to the Regulations on Liquidity Risk Management of Public Offering of Open-ended Securities Investment Funds:

For all open-end funds except monetary funds and transactional open-end index funds, if the fund has been held for less than 7 days, the fund redemption rate is 65438+ 0.50% of the redemption amount;

If the fund is held for more than 7 days, but not more than 1 year, the fund redemption rate is 0.5% of the redemption amount;

For those who have held the Fund 1 year but less than 2 years, the redemption rate of the Fund is 0.25% of the redemption amount; Hold this fund for more than 2 years, and the fund redemption rate is 0.

In addition, each fund product may be different, and the redemption rate may not be completely set according to the standard. For example, some C funds do not charge fees for more than 7 days, but generally charge a certain percentage of sales service fees.

Calculation of fund redemption fee:

The calculation formula of fund redemption fee is: redemption fee = (fund share * fund unit net value) * redemption rate, so to calculate redemption fee, investors should know the redemption rate when redeeming. Generally speaking, the longer the holding time, the lower the redemption fee. If the holding time is less than 7 days, the redemption rate is not less than 1.5%.

For example, the handling fee for holding a fund within seven days is 1.5%, and the handling fee for holding a fund from seven days to 30 days is 0.5%. Suppose an investor holds 1 000 funds, and the net value after holding for six days is 1.5 yuan.

The redemption fee within 7 days is calculated according to the formula (1000 *1.5) *1.5%, and the redemption fee is 22.5%.

If it is redeemed within 7 days to 30 days, it will be calculated as (1000* 1.5)*0.5%, and 7.5 yuan handling fee will be charged.

Therefore, it is best for OTC fund investors to hold it for a long time. If they hold it for a short time and sell it, it is easy to pay a high redemption fee, and it is also easy to chase up and down.

In addition, when selling the Fund, if it is sold before 15:00 on that day, it will be calculated according to the net value of that day, and if it is sold after 15:00, it will be calculated according to the net value of the next trading day.