Is the balance treasure replacement fund safe?
Safe, Yu 'ebao has not only Tian Hong Fund, but also various other funds to choose from. The exchangeable funds in Yu 'ebao are all monetary funds, which means that no matter which fund the user changes to, the investment risk has not changed. When changing funds, you can choose the one with high annualized rate of return. However, the fund itself is a floating income investment. The money fund is higher today, and the yield may be higher tomorrow. It is recommended not to change funds frequently, so as not to reduce the income.
How many days does it take to change the basis?
Changing the fund of Yu 'ebao is equivalent to buying a new fund, so changing the fund will lose at least one day's income. And the purchase time of Yu 'ebao is also in the afternoon 15. If it is transferred before 15:00 on the same day, the days of loss of income will be different at different times from Monday to Friday. Details are as follows:
Replace 1 from Monday to Wednesday afternoon before 15:00, and you will lose one day's income;
2 if it is replaced after Thursday afternoon 15:00, the income from Thursday to Sunday will be lost;
If it is replaced after Friday afternoon 15:00, it will lose the benefits from Saturday to Monday.
Because Yu 'ebao invests in the money fund, it also implements the trading system of t+ 1, which is replaced before 15 in the afternoon of the same day and bears interest on the next trading day. Different from other funds, the money fund has income every day and holidays, but the fund share is not confirmed on weekends and holidays. Therefore, in order to reduce the loss of income, it is recommended to avoid weekends and holidays, whether buying Yu 'ebao or replacing funds.