No, don't worry, "if it doesn't happen, there will be no shortage of money for no reason." If you lose money, at least the market value of the corresponding stock or bond will change. If there is no transaction, your money will not be less. Fund conversion is not a transaction of the fund's assets.

Conversion just makes the net value 1.0 and then adjusts your share figure. The share * unit net value before and after the conversion is still the same, that is, the market value of your fund is still the same.

However, after the conversion, your share has changed. Of course, it may bring about changes in different ranges in the future, and it may also lead to different dividends next time, because dividends are calculated by share, not by amount.