When is the best time to buy a fund? You need to consult relevant information to understand. According to many years' study experience, if you know when is the best time to buy a fund, you can get twice the result with half the effort. Here are some experiences on how to buy funds for your reference.

When is the best time to buy a fund?

The best time to buy a fund is usually decided according to the market situation, because the market trend will affect the income of the fund.

Generally speaking, it is a better choice to buy a fund after the market falls, because the net value of the fund is usually low at this time, and you can get higher returns after buying it. On the contrary, buying funds after the market rises may reduce the rate of return.

In addition, investors can choose the time to buy funds according to their risk tolerance and investment objectives. For example, long-term investors can consider buying funds after the market falls to get a better return on investment; Short-term investors can consider buying funds after the market rises to obtain higher returns.

In short, the best time to buy a fund needs to be decided according to personal circumstances and market trends. Investors should choose the right buying opportunity according to their actual situation and investment objectives.

When is the fund subscription income calculated?

The calculation time of fund purchase income mainly depends on the type of fund purchased.

1. money fund: generally, it is purchased before 3 pm on the trading day, and the income will be calculated on the second trading day, and the income start date is T+2.

2. Bond fund: According to the contract, if there is a value date, the value date is generally the next trading day for the fund to buy.

3. Equity funds: According to the different holding dates, the holding time of equity funds is different, and the starting date of income is also different.

4. Index funds, ETF funds and QDII funds: the first day of holding has been calculated according to the regulations of the fund company, and the starting date of its income is generally the next trading day when the fund buys.

5. Regular open-end fund: If the subscription is made before opening, the starting date of income is generally the second trading day after opening.

6. Umbrella fund: refers to a fund consisting of a parent fund and at least several sub-funds, and the sub-funds independently invest and calculate the income. The starting date of its income is generally the next trading day that the fund buys.

7. Open-end fund: the subscription is made after the closing of the day (t), and the income is calculated on the second working day (T+ 1), and the income start date is generally the next trading day of the fund subscription.

8. Flexible fund: According to different market conditions, the starting date of income is also different.

9. Swing fund: Generally, there is no income on the same day, and the starting date of its income is generally the next trading day of buying the fund.

Therefore, the calculation time of buying income is different for different types of funds.

Rules for buying and selling funds

The basic process of fund trading rules is as follows:

1. Buy before 9:00- 15:00 on the trading day, confirm the share on the same day, and calculate the income on the same day; Sold before 9:00- 15:00 on the trading day, and the funds will be confirmed until the next day;

2. Each fund has a corresponding rate, and the rate is calculated in different ways, and a handling fee is charged for buying and selling;

3. The trading day of the Fund is Monday to Friday, and it is not traded on legal holiday trading days.

Please note that the details of fund trading rules are different due to different factors such as fund type, trading platform and investment strategy, so we must be cautious in actual operation.

How to refund the fund purchase?

Return to original account:

1. After the fund is sold, the money will return to the account where the fund purchaser originally purchased the fund, that is, the bank account. Normally, the funds will be returned to the buyer's bank account before 24: 00 on T+2.

2. How does the money get to WeChat after the fund is sold? You can transfer the money in the bank card to WeChat through the bank first, or you can directly transfer it to WeChat through the bank.

3. How does the money get to Alipay after the fund is sold? You can transfer the money in the bank card to Alipay through the bank first, or you can directly transfer it to Alipay through the bank.

It should be noted that if investors choose to sell quickly, the funds may arrive before 24 o'clock on T+ 1 day, and if they choose to sell normally, the funds may arrive before 24 o'clock on T+2.

How to calculate the fund purchase time?

There are two ways to calculate the fund purchase time:

1. The fund subscription start date is the fund confirmation date, that is, the date when the fund company processes your application and informs you of its validity.

2. The starting date of fund subscription is the deduction date, that is, the deduction date you specify is the subscription date, and subscription is made from the designated fund company.

It should be noted that the difference between the fund's value date and the calculation date and confirmation date is that the value date refers to the date when the fund starts to calculate interest.

This is the best introduction to when to buy a fund.