When buying a fund, many people buy it without thinking clearly. I began to regret it after buying it and wanted to cancel it. Then, can Alipay be cancelled after it has just been bought? Will revocation have an impact? Bian Xiao has prepared relevant contents for your reference.

Why doesn't the fund pay dividends?

First of all, fund dividends are not inevitable, and not every fund will pay dividends. The dividend policy of the fund company can be adjusted at any time, and can also be changed according to factors such as market conditions or fund performance. The dividend policy of the fund refers to the dividend policy formulated by the fund company, including the frequency, form and amount of dividends. Fund companies can choose regular or irregular dividends, or cash dividends or dividends for reinvestment. Fund companies usually reinvest the fund income in the fund portfolio in order to obtain higher income. Fund dividends may affect the liquidity and reinvestment ability of the fund, thus reducing the fund's rate of return and long-term performance. In addition, the fund's investment income mainly comes from the appreciation of its assets, and dividends can only be paid when the fund's profit reaches a certain level.

What are the ways of fund dividends?

There are two main ways of fund dividend: cash dividend and dividend reinvestment. Cash dividend means that the fund company pays part of the fund's income directly to investors in cash. This way can provide cash flow for investors and meet some daily expenditure needs of investors. Cash dividends are usually implemented after the fund's net value and share scale reach a certain level. Dividend reinvestment means that the fund company reinvests the dividend of the fund directly into the fund, which increases the fund share held by investors. This method is usually suitable for long-term investors, who do not need cash income, but hope to obtain higher long-term investment return by increasing the fund share.

Can the fund be withdrawn after three o'clock?

If the fund is redeemed after three o'clock, the withdrawal of the order needs to be carried out before three o'clock in the afternoon of the second trading day. Otherwise, the bill cannot be cancelled successfully, that is, the bill can be cancelled after three o'clock on the same day, but after three o'clock on the second trading day.

Generally speaking, the trading system of the fund is t+ 1, that is, the trading share on the trading day, and the share is confirmed on the second trading day. Trading hours are: 9: 30am-165438+0: 30pm,13: 00pm-15: 00pm, which is legal.

Will there be a handling fee for withdrawing funds at three o'clock?

There is no handling fee for withdrawing cash at three o'clock. Generally, T+ 1 confirms the redemption of funds, and the funds will generally arrive in the account within 2-3 working days. Just note that if the fund has confirmed its share, it can only be redeemed, and there is a handling fee for redeeming the fund.

Among them, Class A funds are charged according to the holding time, which is generally divided into 0~7 days, 7~365 days, 365~730 days and more than 730 days. The longer it is held, the lower the selling rate will be. Some funds that have held Class A funds for more than two years have no redemption fees, while Class C funds charge sales service fees. Generally, Class C funds held for more than 30 days can be exempted from redemption fees.

Can Alipay Fund be revoked just now?

Generally speaking, if Alipay has just bought a fund and has not confirmed its share, it can be cancelled with a cancellation page. The confirmation of fund shares is generally at T+ 1, so if it is to be cancelled, it is best to cancel it before three o'clock that day. After three o'clock, cancellation may fail.

If the general fund cancels the purchase order in the confirmed state, it will be returned in real time, and the latest return time will not exceed 3 working days. Because according to the provisions of Article 20 of the Measures for the Operation and Management of Public Offering of Securities Investment Funds, the fund manager shall confirm the validity of subscription and redemption within three working days from the date of receiving the application from investors, except for special fund varieties specified by the China Securities Regulatory Commission.

Will the cancellation of Alipay Fund have an impact?

There is no impact on the cancellation of Alipay fund purchase, and no handling fee is required. If investors don't think clearly at the time of purchase, as long as the fund can be cancelled, they can choose to cancel, and the funds will return to the previous account.

However, it should be noted that if the fund purchased by Alipay is in a confirmed share state, it cannot be revoked and can only be redeemed. If the fund is redeemed, it can be redeemed on T+ 1 day. If you want to get the account quickly, you can avoid Friday, Saturday, Sunday, holidays and other times, because the fund redemption is delayed these days, and if you need funds, it is usually a few days in advance.

Five risk levels of fund products

R 1 and R2 grades

The investment scope of R 1 and R2 is basically the same, and the proportion of low-risk part of R 1 investment will be higher, which generally belongs to products with guaranteed capital plus expected income, while R2 generally belongs to products with floating expected income and will not promise to guarantee capital. The investment direction of these two grades is basically the same, and they are generally low-risk products such as bank loans, enterprises or national debt.

R3 grade

R3 products generally combine some investment products of R 1 and R2 with some volatile financial products such as stocks, commodities and foreign exchange for asset allocation, and the proportion of high-risk products shall not exceed 30%. This level is not guaranteed, and the guaranteed ratio of structured products is generally above 90%, and the expected income fluctuates to some extent.

R4 level

R4 products are generally invested in financial products with large fluctuations such as stocks, gold and foreign exchange, and the proportion can exceed 30%. The principal is not guaranteed, the risk and expected return are high, and the expected return fluctuates greatly. Due to various factors, the possibility of loss is great.

R5 grade

This level of products can be fully invested in high-risk financial products such as stocks, foreign exchange and gold, and can be invested through derivatives and leverage amplification. The principal risk is extremely high, the expected return fluctuates and the expected return is also high.