Under normal circumstances, after the fund is redeemed, the funds will directly enter the user's bank card account, but for different types of fund products, the time for fund redemption is different. The redemption time of money funds is generally T+ 1, and that of stock funds is generally T+3. The redemption time of bond funds is generally T+3 days.

1. How to calculate the fund redemption?

Calculation of fund subscription: suppose a fund subscribes 1 0,000 yuan, the subscription rate is 1.5%, and the net value of the day is 1.2000. Net subscription amount = subscription amount ÷( 1+ subscription rate) =10000.00÷ (1+1.5%) ≈ 9852.22 (yuan) subscription fee = subscription amount-net subscription amount. Subscription share = net subscription amount ÷T-day fund share net value = 9852.22÷1.2000 ≈ 8210.18 (copies)

Calculation of fund redemption: suppose the fund is redeemed after one month, the redemption rate is 0.5%, and the net value of the day is 1.4000. Total redemption amount = redemption share ×T-day fund share net value = 8210.18×1.4000 ≈1494.25 (yuan) redemption fee = total redemption amount × redemption rate =/kloc. Net redemption = total redemption amount-redemption fee =11494.25-57.47 =1436.78 (RMB) net profit =11436.78-/

Second, what are the skills of fund redemption?

Use system transaction

At present, most banks and fund companies have opened the fund investment reservation redemption business. As long as the investor agrees on the redemption price and time in advance in the online trading system of the bank or fund company, even if the investor is busy and has no time, the system will automatically complete the transaction according to the investor's instructions.

Avoid legal holidays

The calculation of redemption time of funds in transit is based on working days, excluding national legal holidays. For example, when Ms. Chen redeems the stock fund on the last trading day before the Golden Week, the funds must be received on the fourth to fifth working days after the seven-day holiday, and T+3 or T+4 becomes T+ 1 1 or T+ 12. If investors purchase funds on the last trading day before the Golden Week, they can still make a deal after the Golden Week. In this way, their funds will not be used for seven days, and their deposits will not receive any interest. Therefore, from the perspective of financial management, whether it is to purchase or redeem funds, we must avoid holidays.