Fund redemption refers to the process that investors hand over their fund shares to fund companies to get back the investment principal and income. Redemption of fund income is a way for investors to obtain investment income. This article will introduce how to redeem the fund and related matters needing attention.
1. How to redeem the fund
The specific operation process of redeeming funds is usually as follows:
1. 1 Log on to the website or App of the fund company and find the redemption option of the corresponding fund in the personal account;
1.2 Check the redemption rules of the fund, including redemption fees and redemption time;
1.3 Enter redemption amount or choose to redeem all shares;
1.4 Submit after confirming the redemption information.
2. Precautions for redeeming fund income
2. 1 redemption fee
The fund company may charge a certain redemption fee, which is usually calculated according to a certain proportion of the redemption rate. The specific rates can be found in the fund contract or the website of the fund company. Investors need to pay attention to the deduction of redemption fees in order to accurately calculate the actual income.
2.2 Redemption time
Fund companies usually set up a redemption window, and investors can only redeem funds within a specified time. The specific time can be found on the website of the fund company or the fund contract. Investors need to know the redemption time in advance so as not to miss the redemption window.
2.3 Calculation of Redemption Income
Investors can get the investment principal and corresponding income after redeeming the fund. The calculation of income is usually based on the unit net value of fund shares, that is, the fund shares held by investors multiplied by the unit net value of the fund on that day. Investors can calculate the actual redemption income according to the net announcement provided by the fund company or the data published on the website.
2.4 Redemption method
There are usually two ways to redeem funds: one is to redeem online through the fund company website or App, and investors can operate in personal accounts; The second is to redeem offline through bank counters or fund sales organizations. Investors need to fill in the redemption application form and carry out relevant identity verification.
2.5 consider
Investors need to consider related issues when redeeming funds. According to the tax laws of China, individual investors may be required to pay individual income tax on the proceeds of redeeming funds. Different funds will have slightly different policies. Before redemption, investors can consult fund companies or professionals to find out the taxes and fees they should pay.
Summary:
Redemption of fund income is a way for investors to get investment returns. Investors can choose the appropriate time and method to redeem the fund according to the redemption channels and related information provided by the fund company. Before redemption, investors need to know the redemption cost, redemption time, redemption income calculation method, redemption method and consideration, so as to make wise investment decisions.