1. The same fund has been converted into shares for you according to the net value when you bought it. When you sold it, you sold it by shares. You can sell as many shares as you want, and then convert it into money for you according to the net value on the day you sold it. No matter when you buy it, it doesn't matter what the net value is, and it is sold in portions.
2. If the purchase rate is different, or the redemption rate is different due to the different holding time:
At present, the redemption rate of funds is divided into two categories, one is fixed rate, and most of these funds (regardless of the holding time) have redemption rates of less than .5%. The other, which is less used, is to encourage long-term holding rate setting. For example, the redemption rate of funds held for less than one year is .5%; The redemption rate for one year but less than two years is .2%; After 2 years, the rate is .
generally speaking, the redemption fee is calculated according to the "first-in, first-out" method, that is, when redeeming shares, the fund company will redeem them in turn from the shares that investors bought the earliest. For example, investors bought 5, copies of HSBC Jintrust Longteng Fund in January this year (the redemption fee of the fund is .3%) and 1, copies of HSBC Jintrust Longteng Fund in February. If investors apply for redemption of 8, copies in March, the fund company's operation is to redeem 5, copies subscribed in January and 3, copies subscribed in February. The redemption fee that investors need to pay is 8× 3.64 (the net value of the fund on October 12 )× .3% = 73.4 yuan (rounded to one decimal place).
If the funds purchased by investors set different redemption rates according to the holding time, then the first-in-first-out method is also used for calculation. Assuming that the holding time is less than one year, the redemption rate is .5%; .2% for one year and less than two years; for 2 years. If an investor bought 5, yuan of the fund the year before last (according to the holding time of two years), 5, yuan last year (according to the holding time of one year) and 5, yuan at the beginning of this year (less than one year), he will now redeem 1, yuan. Due to the simplicity of calculation, regardless of the appreciation brought by fund investment during the period, the order of redemption of fund companies is 5, yuan for two years+5, yuan for one year. Investors need to pay the redemption fee: 5,× +5,× .2% = 1 yuan.
3. Fund investors can redeem all or part of their fund shares. Non-monetary funds shall be redeemed according to their shares, and the share applied for redemption shall be accurate to two decimal places. The share of each redemption shall not be less than 1,, and the balance of the fund account shall not be less than 1,. If the balance of the fund share in the fund account will be less than 1, after one redemption, it shall be redeemed at one time. If the account balance is less than 1, due to dividend reinvestment, non-transaction transfer, transfer custody, huge redemption, fund conversion and other reasons, it is not subject to this restriction, but it must be redeemed in one lump sum when redeeming again.
when the money fund is redeemed, the minimum amount of a single redemption is 1, fund shares. The balance of fund shares in any fund account shall not be less than 1 fund shares. If the balance of money fund shares in the fund account will be less than 1 after a redemption, it should be redeemed at one time.