diff --git a/app/page.jsx b/app/page.jsx
index 97da556..6706642 100644
--- a/app/page.jsx
+++ b/app/page.jsx
@@ -1459,14 +1459,19 @@ export default function HomePage() {
     userIdRef.current = user?.id || null;
   }, [user]);
 
-  const getFundCodesSignature = useCallback((value) => {
+  const getFundCodesSignature = useCallback((value, extraFields = []) => {
     try {
-      const list = JSON.parse(value || '[]');
+      const list = Array.isArray(value) ? value : JSON.parse(value || '[]');
       if (!Array.isArray(list)) return '';
+      const fields = Array.from(new Set([
+        'jzrq',
+        'dwjz',
+        ...(Array.isArray(extraFields) ? extraFields : [])
+      ]));
       const items = list.map((item) => {
         if (!item?.code) return null;
-        // 加入 jzrq 和 dwjz 以检测净值更新
-        return `${item.code}:${item.jzrq || ''}:${item.dwjz || ''}`;
+        const extras = fields.map((field) => item?.[field] || '').join(':');
+        return `${item.code}:${extras}`;
       }).filter(Boolean);
       return Array.from(new Set(items)).join('|');
     } catch (e) {
@@ -3027,6 +3032,25 @@ export default function HomePage() {
       if (nextFunds.length) {
         const codes = Array.from(new Set(nextFunds.map((f) => f.code)));
         if (codes.length) await refreshAll(codes);
+        // 刷新完成后,强制同步本地localStorage 的 funds 数据到云端
+        const currentUserId = userIdRef.current || user?.id;
+        if (currentUserId) {
+          try {
+            const latestFunds = JSON.parse(localStorage.getItem('funds') || '[]');
+            const localSig = getFundCodesSignature(latestFunds, ['gztime']);
+            const cloudSig = getFundCodesSignature(Array.isArray(cloudData.funds) ? cloudData.funds : [], ['gztime']);
+            if (localSig !== cloudSig) {
+              await syncUserConfig(
+                currentUserId,
+                false,
+                { funds: Array.isArray(latestFunds) ? latestFunds : [] },
+                true
+              );
+            }
+          } catch (e) {
+            console.error('刷新后强制同步 funds 到云端失败', e);
+          }
+        }
       }
 
       const payload = collectLocalPayload();