When buying a fund, when the income obtained by investors is more in line with what they think, they will clear their positions and take profits, and some investors will clear their positions and stop losses to a certain extent. So where did the money go after the fund was cleaned up? How long will it take to repay the money after the fund is liquidated? Today, Bian Xiao has compiled some fund-related knowledge for everyone. Let's have a look!
Where did the money go after it was cleared?
After capital settlement, the money goes to his account. For example, the investor is a fund purchased by Alipay, and then the fund is cleared. After the fund is cleared, if it is paid by Yu 'ebao, it will automatically return to Yu 'ebao. If it is paid by bank card, it will automatically return to the bank card.
Fund liquidation refers to the fund converting all equity assets in the portfolio into cash. Generally speaking, fund clearance is the reason why investors are not optimistic about the future market of the fund or the expiration of the product.
It takes a long time in capital settlement, usually as short as 2-3 months and as long as 6 months, to recover the funds. Generally speaking, the fund will be liquidated only after certain conditions are met, and the approval of the regulatory authorities is required before liquidation. It's not that fund companies want to liquidate themselves.
Fund liquidation refers to the realization of all fund assets and the distribution of income to holders. According to the regulations, if the net value of the fund is less than 50 million for 60 consecutive days, or the number of fund share holders has not reached 200 for 60 consecutive days, the fund will be liquidated and terminated.
But even if the fund is liquidated, don't panic. The fund company will leave an announcement to inform in advance, and then return the money to the people after the fund is liquidated. For the basic people, the loss is that they originally planned to hold a fund for a long time, but the fund liquidation will return all the shares held by investors.
Close the position as much as the fund falls.
When the official fund holds less than 50 million yuan and the number of holders is less than 200, the fund will go bankrupt and liquidate. Some fund companies stipulate that if the net value is lower than a certain point, they will carry out compulsory liquidation. After liquidation, they will see how many assets are left in the fund and give them to investors according to the shares.
Generally speaking, fund liquidation is relatively rare. When investors buy a fund, they can choose a fund that has been in operation for a long time. When choosing a fund manager, they should consider the fund manager's past fund income, fund return rate, working years and so on, and choose a good fund manager. Although the past does not represent the future, it will still have certain reference significance.
It is normal for stocks to go up and down, but the elasticity of funds is not as good as that of stocks. When stocks plummet, funds that invest in stocks will also fall. At this time, it has fallen, so don't rush to clear the position at this time. It is necessary to analyze why it will fall and whether this fund has any prospects.
Secondly, when the stock plummets, the net value of the fund will decrease and the buying cost will also decrease. If you are optimistic about the fund, you can increase your position when the fund falls, reduce the buying cost, and wait for the fund to rise and earn it back.
Will the foundation collapse if it keeps falling?
The fund has been falling and may collapse. When the official fund holds less than 50 million funds and the number of holders is less than 200, the fund will be liquidated. Some fund companies stipulate that if the net value falls below a certain point, they will be forced to close their positions. After liquidation, they will see how many assets are left in the fund and give them to investors according to the shares.
Therefore, when the fund has been falling, don't always carry it. It is also important for the fund to stop loss in time. Don't watch the money lose more and more, you can redeem it first, wait for the bear market to pass, and then wait for a good opportunity to re-enter the market.
Generally speaking, the fund will not fall to the bottom, because when the fund falls to a certain extent, it will go through bankruptcy liquidation and will be distributed to investors according to the share, but don't take any chances, because when the fund falls, there will definitely be relatively large losses. For example, it is possible for the fund to fall by 50%. Suppose you bought 10000 yuan and lost 50%, which means you lost 5000 yuan.
When buying a fund, you must have a certain judgment on the future market situation of the fund. You can't blindly buy funds, otherwise it will easily lead to losses. If you are optimistic about the future prospects of the fund, you can buy it, but you can also operate according to your own ability.