Entering the investment market is to earn income. As for what products to invest in, users need to judge directly. Stocks, funds and futures can all be invested, and users can choose suitable products according to their own stress resistance. Among many products, funds are more suitable for novice investment. The following is how long it will take you to get a profit after buying a fund in a bank!

When do you start to calculate the income after buying a fund?

Realize the fund T 1 transaction. Therefore, the fund is subscribed before the working day 15, and the income is calculated on the second working day. If you buy a fund after 5 o'clock, you will get a profit on the third working day. However, it should be noted that the confirmation of QDII fund T2 may be delayed by one day. There are many types of funds, and the income time of different types of funds is different.

In case of purchasing the Fund on holidays, the Fund shall be purchased before the first working day after holidays 15:00, and the income shall be calculated from the second working day after holidays. This means that if you confirm your share on Friday, you have to wait until Monday to see the benefits. Fund income is affected by the fluctuation of fund net value. Generally, it can only be updated after the liquidation of the fund's net worth stock.

In the whole investment process, it is important to choose a good fund, hold it for a long time and disperse short-term fluctuations, so that the probability of making money will be high. Choosing a fund is the same as choosing a stock. What matters is whether the investors buy a good fund, as well as the buying time, investment period and operation method.

In the fund market, an excellent fund is a sustained and stable performance. Investors can judge the trend of the fund's net value on the day according to the trend of the target or the valuation trend. After the fund is selected, it is necessary to set a reasonable stop loss point and take profit point.

Fund income time?

Generally, the fund income is calculated from T+ 1, that is, the fund income is generated on the second day after subscription. Purchase the fund before working day 15, and calculate the income on the second working day. Apply for funds after 15, and you will get benefits on the third working day. However, there may be some differences in the settlement of fund income of different fund companies, and the specific settlement time of fund income shall be subject to the announcement of fund companies.

How long does it take to buy a fund to make a profit?

Generally speaking, if investors buy OTC funds, they will see floating losses in their accounts within 1-2 working days after purchase. Whether there is income depends on whether the net value on the share confirmation date is higher than the net value at the time of purchase.

According to the regulations, the fund company must reply within 3 working days after receiving the investor's request for subscription and redemption. In practice, when investors buy OTC funds, they will generally confirm their shares on T+ 1 day. Assuming that the net value on T+ 1 is higher than the net value at the time of buying, they can see the income.

If you buy a money fund, T+ 1 starts to calculate interest, but the time for the income to arrive is generally T+3, so you can only see the income within 3 working days after purchase. Note: T days here refer to working days. If there are legal holidays, the time for seeing benefits will be extended.

If an investor buys an on-site fund, after buying, the current price is higher than the cost price of the position, and the income is visible. On-site funds are ETF funds, which can be bought and sold at any time, so there are real-time quotes to watch.

The fund began to pay off only a few days after it was bought.

Purchase the fund before working day 15, and calculate the income on the second working day. Apply for funds after 15, and you will get benefits on the third working day. Fund trading time refers to the time period during which open-end funds accept subscription, conversion, redemption or other transactions. Generally speaking, every working day is closed at 9:30- 15:00 am, and11:30-13: 00 am.

Funds can be divided into broad sense and narrow sense. Broadly speaking, they refer to a certain amount of funds set up for a certain purpose, such as trust and investment funds, provident funds, retirement funds and so on. In a narrow sense, they refer to funds with specific purposes and uses. Usually, funds mainly refer to securities investment funds. The income of securities investment funds comes from the future, and the performance of the income is inseparable from the performance of the investment target market, which has certain risks. According to whether fund units can be increased or redeemed, they can be divided into open-end funds and closed-end funds. Open-end funds are not traded on the market (as the case may be), but are purchased and redeemed by banks, brokers and fund companies, and the fund scale is not fixed; Closed-end funds have a fixed duration and are generally listed and traded on the stock exchange. Investors buy and sell fund shares through the secondary market. According to different organizational forms, it can be divided into corporate funds and contractual funds. A fund is established by issuing fund shares to establish an investment fund company, which is usually called a corporate fund; The establishment of fund managers, fund custodians and investors through fund contracts is usually called contractual funds. China's securities investment funds are all contractual funds.

Then, let's introduce the four stages of the fund in detail:

1, raise funds (generally not more than 3 months)

After the fund products are registered and approved by the CSRC, they first enter the fundraising stage, that is, formally raise funds.

If you buy a fund in a bank or Internet channel, and see the publicity materials that say: The issuance time of this fund is _ _ _ _ _, or the raising time is _ _ _ _, it means that this fund is in the raising stage. At this stage, fund managers can't invest with funds.

2. Record establishment (usually 2-3 days)

After the fund raising period is over, the fund products will enter the stage of filing and establishment, and the fund company needs to hire a statutory capital verification institution to conduct capital verification.

After receiving the capital verification report, the fund company will go through the fund filing procedures at the CSRC and wait for the CSRC to issue a reply on the establishment accordingly. From the date of receiving the approval, the fund contract will take effect, which means that the fund is formally established. At this time, the fund company will also prepare and disclose the announcement about the effectiveness of the contract.

Take the newly issued fund products of Tian Hong Fund as an example. For products outside ETF, the whole process usually takes 2-3 days, while ETF will be a little longer. In this process, the raised funds will be deposited in a special account, and no one can use them, nor can the fund manager use them for investment.

3, liquidation (generally not more than 3 months)

After the fund contract comes into effect, the fund manager can start to liquidate the investment.

The time for a fund to open a position is usually clearly stipulated in the fund contract, usually 6 months. During the six-month opening period, in order to allow fund managers to trade better, the foundation has set a closed period for a period of time, which generally does not exceed three months. At this stage, investors cannot purchase and redeem funds, which is called closed and open.

Relatively speaking, the closed period of actively managed funds is usually longer, while the time required for index funds is shorter. Of course, the closing time is also related to the market environment. Take the newly developed index products of Tian Hong Fund as an example, it only takes about 2 weeks from closing to trading.

During the closed and open period, the net value of the fund is updated weekly.

4. Apply for redemption publicly

After the closed opening period, the fund company will announce the opening of daily subscription (redemption, conversion and regular fixed investment) and formally enter the open redemption stage.

If the position of the fund does not meet the requirements of the previous contract, the fund manager will continue to buy assets at this stage. If the position has reached the contract agreement, the fund manager will adjust the fund position within the scope agreed in the contract according to factors such as market environment and investment strategy.

In the open redemption stage, investors can choose to purchase (buy) or redeem (sell) according to their own plans, and the fund's income is usually updated every trading day.

Generally speaking, to buy a new fund, we must first distinguish the current stage of the fund. Only when the fund is established can the fund manager start.

The change of fund income will only be shown after the investment is completed.