Redemption is a common operation in fund investment. Many people have doubts about whether the fund is held on the day of redemption. Below, we will introduce it in detail from four aspects.
1. Is the fund held on the redemption day?
Do not hold the fund on the day of redemption. In other words, if the fund is redeemed during the holding period, then the day is not counted as the holding days, and it will not be included in the calculation of the rate of return.
This is because fund redemption takes some time to deal with, and this time is related to factors such as fund companies and fund sales organizations. No longer holding fund shares on the day of redemption, not counting holding days.
Second, the holding period of the fund
The holding period of a fund refers to the time when investors hold fund shares. Under normal circumstances, fund companies will stipulate a minimum holding period, such as 3 days, 7 days, 30 days, etc.
During the holding period, if the net value of the fund rises, investors can get income. At the end of the holding period, if the net value of the fund rises, investors can get income when redeeming.
Three. Matters needing attention in fund redemption
When redeeming funds, you should pay attention to the following points:
1. redemption fee: different fund companies and sales organizations will charge different fees for fund redemption, so it is necessary to carefully check the relevant regulations.
2. Redemption time: Fund redemption takes a certain amount of time to process, generally T+ 1, that is, a trading day after the redemption date.
3. Taxes and fees: the redemption of funds may generate taxes and fees, which need to be selected according to personal circumstances.
4. Redemption method: Different fund companies and sales organizations provide different redemption methods, which need to be selected according to the actual situation.
Fourth, how to optimize fund redemption
For matters needing attention in fund redemption, we can take the following measures to optimize:
1. Choose fund companies and sales organizations with low redemption fees.
2. Know the redemption time and processing time in advance before redemption, and try to choose the appropriate redemption time.
3. Understand the tax laws and regulations and choose the appropriate investment method.
4. Choose the exchange method that suits you according to the actual situation.
Redemption is a common operation in the process of investing in funds, but it is necessary to pay attention to whether the redemption date is held and the matters needing attention when redeeming. Only by understanding the relevant regulations clearly and taking appropriate measures can we better redeem the fund and get more benefits.