T refers to the trading day, T+ 1 refers to the next trading day, and T+ 1 refers to the investor's redemption operation on the same day, but the funds can only enter the investor's account on the next trading day. Different general products and platforms have different management requirements for wealth management business, and the arrival time will be different, subject to the arrival time specified by each wealth management product or platform. In case of legal holidays or weekends, the arrival time of funds may be delayed.
1. The redemption time of money funds and bond funds is generally T+ 1 day.
If the redemption application is submitted before T-day 15:00, the redemption income will be calculated according to the net value of the fund after the market closes on that day, and also included in the income of that day.
If the redemption application is submitted after T day 15:00, the redemption income will be calculated according to the net fund value after the closing of the next trading day, and will be included in the income on the day of application and the next day.
For example, if you apply for redemption before Friday 15:00, the income will be calculated according to the net value of the fund on Friday, but the fund will not be traded on weekends, and the funds received will be taken out as soon as they arrive at the account next week.
2. Reverse repurchase of national debt is also the principle of T+ 1 confirmation of collection.
There is no interest on buying on T day, but only on T+ 1 day. The repurchase funds arrive at T+ 1, and the received funds can be traded but cannot be withdrawn, only at T+2. The interest-bearing days of reverse repurchase refer to the days actually paid. For the reverse repurchase bought in 65,438+0 days, the actual payment days are 65,438+0 days. Of course, when there are weekends and holidays in the middle, the actual number of days paid will increase and the interest will increase accordingly.
For example, if you buy a reverse repurchase on Thursday, the repurchase funds will generally arrive on Friday, and the account funds can be used to buy other wealth management products, but they will not be taken out until next Monday. Saturday and Sunday also bear interest, which means you can enjoy interest for three days.