Money Fund Investment Skills Which money fund is the most stable and has the highest expected annualized return?
How many days does the money fund have to be redeemed?
Different fund companies have different answers. The expression of redemption time is that the day of redemption application is T day and the redemption time is T+N day. The redemption time of different fund products purchased by different companies will naturally be different. The time of redemption is also closely related to the channel through which you purchase the fund. At present, there are three redemption arrival times for money funds in the market: fast cash withdrawal T+0, arrival T+ 1, arrival T+2.
At present, the baby wealth management products on the market are all T+0 fast cash withdrawal, and 10 will arrive in a few minutes, which is related to bank cards. Now basically every fund company has a variety of T+0 fast cash withdrawal money funds.
For redemption in official website, ordinary cash withdrawal is selected, that is, T+ 1 receipt. On the weekend, if it is a T+0 quick cash withdrawal, it is not affected by the weekend, and there is no expected annualized expected return on the day of cash withdrawal and thereafter. If it is an ordinary cash withdrawal, it will be postponed to the next trading day to calculate T-day.
In the third-party sales organization, if it is an ordinary cash withdrawal, it is T+2 arrival. When is the best time for T+2 fund redemption? Thursday is not suitable for redemption. Because there is no interest on Friday and there is no interest on Saturday and Sunday. Holiday subscription and redemption can refer to the above explanation. Before the holidays, in order to prevent a large number of subscription funds from entering the diluted expected annualized expected return, many funds often "build cars behind closed doors", so it is necessary to arrange in advance to enjoy the expected annualized expected return of the long holiday.
How about redeeming the money fund on Friday?
Fund shares redeemed on Friday enjoy the expected annualized expected returns on Friday, Saturday and Sunday. That is to say: if you subscribe for shares on March 2 (Friday), the expected annualized expected return of the fund will be calculated from March 5 (Monday); If you redeem your share on March 2nd (Friday), you can not only enjoy the expected annualized expected return on March 2nd (Friday), but also enjoy the expected annualized expected return on March 3rd (Saturday) and March 4th (Sunday). March? From the 5th, you will no longer enjoy the expected annualized expected income.
There is a special requirement. As for the operation time of redemption, we know that the opening day of the transaction usually ends at 15:00 on the same day, so the redemption time should also be operated before 15:00 on the same day. Because if the redemption operation is carried out before 15:00 on the same day, then the calculation basis is the net value of the fund announced at the close of the day. If it is operated after 15:00, it will be calculated according to the net fund value announced at the close of the next day.