Angle 1: Asset valuation and net value confirmation of the fund.
Fund companies usually adopt T+ 1 settlement system, that is, after investors buy funds, they need to wait for one day to clear their transactions before they can confirm their net value. This means that the day of purchase is not the time to confirm the net value. Therefore, if it is calculated according to the net value on the day of purchase, there may be a big error. Similarly, if the net value is calculated after confirmation, it will also lead to some shortcomings, because the confirmed net value has changed under the market conditions of the day, and the renewal of the net value on the confirmation day will lead to the change of the asset holding value.
Angle 2: Investors' investment plans and risk preferences.
Similar to the confirmation of net worth, investors should decide the timing of net worth calculation according to their investment plans and risk preferences. If investors focus on long-term investment, they can pay more attention to the confirmation of net worth, which can better control risks. On the contrary, if investors focus on short-term investment, they should pay more attention to the calculation of the net value on the day of buying, so as to better control the risk of market fluctuation.
Angle 3: the impact on the market trend
The calculation of fund net value is also very important for the influence of the whole market. If the net value of the fund is calculated according to the day of subscription, it may lead to a large amount of funds pouring into or withdrawing from the market in a short time, which will adversely affect the market. However, if the net value calculation is postponed to the confirmation date, this situation can be avoided and the investment can be made more smoothly.
From the above perspectives, we can actually draw a basic conclusion: in general, investors should calculate their holdings and expenses according to the net value of the fund on the confirmation date. If you calculate on the day of purchase, you need to consider the risk of market fluctuation yourself, but the calculation result is more real-time; If we wait until the net value is confirmed, the risk will be better controlled, but the calculation result will lag by one day.
As an investor, you need to make choices according to your actual situation, and you also need to pay attention to the specific systems of fund companies in transaction settlement and net worth confirmation. Rational investment decision-making should be based on comprehensive consideration of market conditions, personal risk preference and many other factors.