The operation standard of online banking to buy funds is still very safe. Agricultural Bank of China Online Banking directly purchases funds from the fund company's website. As long as the company opens the conversion business, it can carry out fund conversion. Fund conversion Fund conversion business is a service provided by fund managers to fund holders, that is, investors can freely switch to other open-end funds managed by the company after holding the open-end funds issued by the fund management company, and directly purchase the target funds without redeeming the existing funds first. Fund conversion business provides convenience for investors to cope with changes in the stock market, bond market and money market. When the securities market changes greatly, investors can avoid the investment risks caused by market fluctuations by switching between funds with different risk levels; Or when investors' income status or risk tolerance changes, they will change their business and invest in fund products that meet their investment goals. In addition, by changing the business and changing the investment variety of the fund, compared with the normal redemption and re-subscription business, we can enjoy certain preferential rates. After the fund share is converted, the original holding time will continue to be calculated. The longer the holding time, the lower the redemption rate. Fund conversion can also shorten the time than selling old funds to buy new funds. Under normal circumstances, the application for fund conversion can be confirmed on the second trading day (i.e. T+ 1). It should be noted that one or several funds in the same fund company may not be able to convert with other funds due to reasons such as fund registration agencies. However, investors should not switch fund products frequently. Because the fund is a professional financial product, its performance has a certain periodicity. Investors can't blindly switch fund products because the net value of the fund is lower than psychological expectations in a short time. This not only increases the conversion cost of the fund, but also may lose the profit opportunities that the original fund products should have.