Many people have bought the fund, so if the family suddenly needs money, can the fund be redeemed if it decides not to buy it? The answer is yes. In fact, redemption is equivalent to selling the fund. Except for the newly issued funds during the closed period, the purchased funds can be redeemed at any time, but there is a charge for redeeming the funds. Generally speaking, it is a redemption fee, which is generally 0.5%. If it is a back-end fund, in addition to the redemption fee, it also needs to pay the back-end subscription fee (generally higher than the front-end subscription fee 1.5%).

In addition, there is no so-called fixed investment due. When signing a fixed investment contract, a target period will be filled in or selected, which is not mandatory. Even if it is cancelled halfway, there will be no penalty or liquidated damages.

Fund redemption is exquisite.

The redemption procedure of funds purchased through fixed investment is the same as that of general funds, and redemption will not affect the continuation of fixed investment. However, there are also some stresses. Some funds can be exempted from redemption fees as long as they are held for a certain period of time. Therefore, investors are advised to implement the first-in-first-out principle, that is, to give priority to redemption of long-held shares. In this way, it may save a sum of money.

In addition, many investors believe that all fixed investment shares must be redeemed when redeeming. In fact, the fixed investment fund can be redeemed at one time, or it can be partially redeemed or partially converted. Therefore, after the basic people start to make a fixed investment, if they need a certain amount of cash temporarily, if the demand amount is less than the fixed investment amount, they can try to redeem it and continue to hold other shares.

It should be noted that although the fixed investment fund is redeemed, the fixed investment agreement of the fund will not be terminated. Therefore, as long as the bank card has enough money to meet the conditions of deduction, the bank will still deduct money to buy funds on a regular basis. If you want to stop the fixed investment plan of the fund, you need to go to the sales outlets to fill out the Application for Termination of Regular Quota Subscription and go through the formalities for termination of fixed investment. If you fail to meet the deduction requirements for three consecutive months, you can automatically terminate the fixed investment. The termination of the fund's fixed investment will not generate penalty interest, nor will it face other interest losses.

Time of fund redemption to account

It depends on the time of fund redemption. Redemption before the day 15:00 is calculated according to the net value of the fund announced after the close of the day; Redemption orders declared after 15:00 are subject to the closing price of the next day. After receiving the customer's redemption instruction, the fund company needs to settle the funds, so it takes some time to redeem the funds. Even if the same fund is sold in different banks, the redemption time of the fund will be different. Generally speaking, the redemption time of money funds is "T+ 1", and the redemption time of stock funds is generally "T+5" or "T+7". In addition, it is worth investors' attention that the T here refers to the redemption application submitted before 3 pm on weekdays. The fund redemption time is calculated according to working days. In case of Saturday and Sunday, the arrival time will be delayed.