The share to be confirmed when purchasing a fund means that the investor has deducted money when purchasing the fund, but its share has not been confirmed. Fund trading follows the principle of unknown price trading, that is, investors calculate the amount of fund shares they buy or sell based on the net asset value of fund shares after the closing of the application date.

Therefore, investors buy funds before three o'clock on the trading day, submit them on the same day, calculate their shares according to the net value announced that night, and confirm their shares on the next trading day. Funds bought after three o'clock are submitted on the next trading day, and their shares are calculated according to the net value announced on the next trading day, and their shares are confirmed on the next trading day.

There are several channels for fund trading:

1. Banking counters: ICBC, China Construction Bank, Agricultural Bank, China Bank and Bank of Communications, as well as Bank of Beijing, China Guangfa Bank, Huaxia Bank, Industrial Bank, China Merchants Bank, China Everbright Bank, Minsheng Bank, Postal Savings Bank and China CITIC Bank, all have consignment funds, but the types of funds entrusted by banks are different. Most funds are sold in several banks at the same time. To buy a fund in a bank, you have to go to the counter to open an account with your ID card and bank card, and then you can buy the fund immediately. Opening an account and purchasing can be completed at the same time. Second subscription to other funds of the same fund company,

You don't need to open another account. If you want to buy funds from other fund companies, you need to open an account again, and the procedures are as above. The buyer needs to fill in (approve) the purchase application form, and the counter staff will give the buyer an account opening form after completion, and (approve) the purchase document. Novices often pay special attention to the above documents and keep them carefully for fear of losing them without vouchers. In fact, it is good to keep it properly, at least it can be used as fund investment information, but the loss of documents will not affect your fund investment at all. The bank's computer recorded your transaction. You don't need to show any certificates at all, just need a bank card to handle it.

In most cases, the bank card will be deducted if the transaction is successful at the time of subscription. However, there is also the possibility of unsuccessful subscription. If there is no deduction on the bank card, it will definitely not succeed; If the money is deducted and the purchase is unsuccessful, the money will be returned to the card. In order to confirm the success, you can go to the bank to ask for a "confirmation form" the day after purchase. For those who have experience in fund investment, this step can be completely omitted. When you need to redeem the fund, you can fill in the "redemption form" at the bank counter with your bank card. The purchase or redemption price is calculated according to the net value announced by the fund company in the evening after the stock market closes on that day.

2. Online transactions

Log in to the bank website with a bank card with online banking, and you can buy all the funds sold by the bank. Take the transaction as an example. After logging in, click "Fund Supermarket", then click "Buy Fund", select the fund company and the fund to be purchased, fill in the purchase amount, then fill in the transaction password, and click "Submit" to finish. When redeeming, you can click "Inquire about Holding Funds", click "Redeem" on the right side of the fund to be redeemed, fill in the redemption share and confirm. The online banking transactions of other banks are also very simple, so I won't introduce them one by one.