买基金时，很多人会遇到一个问题。 手里的基金表现变差，想换成同公司的另一只优质基金。但又怕先赎回再申购，又费时间又花手续费。后来才知道，有个更省心的操作——基金转换。 今天就把基金转换的核心知识点讲透：什么是基金转换、要不要手续费、怎么算，还有实操中的关键规则，新手看完直接能用。 基金转换很简单，核心是"直接换"，不用走"赎回旧基金→再申购新基金"的弯路。 具体说，就是你持有一家基金公司的某只开放式基金，能直接把它的份额，转换成这家公司管理的其他开放式基金份额。全程不用先把钱取出来，一步就能 完成。 它最大的好处有两个：一是省时间，二是省成本。这也是它比"先赎后申"更受欢迎的原因。 1. 省时间：普通"先赎后申"，光确认时间就要好几天。基金转换效率高很多，T日申请转换，基金公司T+1日确认，T+2日就能查到转换后的情况，能抓住市 场波动的好时机； 2. 省成本："先赎后申"要付两份费用——旧基金的赎回费、新基金的申购费。而基金转换只收一次转换手续费，成本明显降低。 基金转换要手续费吗？怎么算？ 答案是：要收，但费用比"先赎后申"低。核心公式记好：基金转换手续费 = 转出基金赎回费 + 申购补差价。 申购补差价 ...

Core Viewpoint - The announcement details the partnership between Nuoan Fund Management Co., Ltd. and Huatai Securities Co., Ltd. for the sale of certain funds starting from May 26, 2025, allowing investors to conduct various transactions through Huatai Securities [1][2][3]. Group 1: Fund Sales and Services - Starting from May 26, 2025, investors can purchase, redeem, and inquire about specific funds through Huatai Securities, which will also provide after-sales services [1]. - The fund investment through Huatai Securities will include systematic investment plans (SIPs) and conversion services, with specific rules and fees outlined in the latest prospectus [2][3]. Group 2: Fee Rate Discounts - Investors will enjoy fee rate discounts for fund subscriptions and systematic investment plans as per Huatai Securities' regulations starting from May 26, 2025 [3]. - The conversion of funds will also have fee rate discounts applicable as per Huatai Securities' guidelines [3]. Group 3: Important Notes - The minimum subscription amount for the funds through Huatai Securities is set at 1 yuan, including subscription fees, subject to Huatai Securities' regulations [4]. - Different share classes of the same fund cannot be converted into each other [5]. - Investors must adhere to Huatai Securities' specific regulations when conducting related transactions [5].