Many investors have doubts with the above question.
Pro : Locking rate of return in a higher position as compared with the yield curve of opportunity cost.
Cons: Service charges will be incurred if reinvested. However, there is a waiver for service charges for switching the existing fund to low-volatility funds. The drawback is that the longer your investment remains in a low-volatility fund, the annualized compounding rates of return may be eroded. Timing is therefore crucial when it comes to switching a low-volatility fund to a high-volatility fund for a higher rate of return.
This real answer is obvious; higher annualized rates of return or saving some money?
