When investing in a fund, some people may be eager to sell it when the fund falls, so as not to cause greater losses. When selling funds, we may sometimes find that even if the funds have been sold, they are still losing money, especially when the funds are in decline. Why?
Why is the fund still losing money when it is sold?
When investors conduct fund transactions, they usually encounter the situation that after selling the fund, the fund income shows that they are still losing money. The main reasons may be as follows:
1, handling fee of the previous trading day
When investors sell the fund, they may delay charging the fund's handling fee. For example, if Monday, Tuesday and Wednesday are trading days, investors sell funds on Monday, and the fund company confirms the success of the sale on Tuesday and charges a handling fee 10 yuan, then investors see yesterday's earnings on Wednesday-10 yuan.
2. The selling time exceeds the current trading day 15: 00.
If an investor sells after the trading day 15: 00, the fund confirmation share will be delayed by one day, resulting in a loss after the fund is sold.
3. Some special funds need a long time to sell and confirm their shares.
For example, some qdii funds, fof funds and other special funds take longer to confirm their shares than ordinary funds, which leads to the constant change of their income from the time they choose to sell to confirm their shares, which may lead to the situation that the funds are still in a loss state after being sold.
Why does the fund lose money after it is sold?
Why does the fund lose money after it is sold? It depends on whether the fund sold is an on-site fund or an off-site fund.
If it is an on-site fund, as long as the transaction has been completed when the fund is sold, there will be no more losses. Because the trading of on-site funds is real-time, as long as enough people buy it, they can sell it at any time.
Therefore, after the on-site fund is sold, it immediately becomes cash, and the fund has nothing to do with itself. Whether it is up or down, it will not have any impact on its own income.
However, on-site funds can't be sold if they want to, and someone has to be willing to buy them at the price they sell. If the fund is sold because no one buys it, the fund will not be closed. At this time, the fund is still in its own hands. If the fund falls, it will lose money.
In addition, there is a handling fee for the on-site fund sale. If the fund did not lose money before it was sold, it was found that it lost money after it was sold, probably because the handling fee was deducted when it was sold.
Why is the fund still losing money after selling?
Listen to the wind and watch the monthly fund qualification examination. A: After the fund is sold, there is still a loss, which means that the funds sold by investors are less than the funds shown at the time of sale. The reasons for this are:
1, redemption fee
When investors sell funds, they will charge a certain redemption fee according to the amount sold, which will lead to a decrease in the redemption funds of investors. For example, when the net value of the fund is 1 yuan, investors sell 1 ,000 copies, that is, the redemption rate is 1.5%, and investors charge 15 yuan when they sell the fund. At the same time, investors will charge a redemption fee of 1.5 yuan.
2. the net value fell.
The confirmation date of investors selling the fund was delayed, and the net value of the fund fell during the period from the selling date to the confirmation date, resulting in the loss of investors after selling the fund. For example, some special funds, such as qdii funds and fof funds, take longer to confirm their shares than ordinary funds, resulting in constant changes in their income from choosing to sell to confirming their shares.