When redeeming a fund, the redemption rate of the same fund is often different, and sometimes the redemption fee is too high. What happened? Let's explain the rules of fund redemption in detail, as the saying goes? It won't be difficult. Will it be difficult? First learn the rules of fund redemption, just eight words? First-in, first-out and segmented billing? .

Understand the charging standard of fund redemption

The charging standards for subscription and redemption of each fund are different, which are detailed in the document trading rules of each fund. Before trading, you should find out. The figure below shows the redemption rate standard of an actively managed fund.

Judging from the above redemption rate structure, the redemption rate for holding for less than 7 days is as high as 1.5%. The longer the holding time, the lower the rate, and the redemption rate for holding for more than 730 days is 0.

Calculation method of fund holding time

The subscription date of the Fund is before 3: 00 pm on the trading day, which belongs to the subscription date of the Fund. If the subscription is made after 3: 00 pm on the trading day and before 3: 00 pm on the next trading day, the next trading day shall be the subscription date.

Fund confirmation date, the trading day next to the fund subscription date is the fund confirmation date.

Fund redemption date, if the redemption application is submitted before 3 pm on the trading day, it is the fund redemption date.

The holding days of this fund are counted as holding days from the fund confirmation date (assuming February 1) to the fund redemption date (March 1). The total holding days are 29 days, which is 0.75% according to the above rate standard. If you hold it for one more day, the redemption rate will reach 0.5%.

First-in, first-out segmented billing

Let's take the above funds as an example. The data of buying funds are as follows. Suppose the fund of 1.500 is redeemed on March 3, how to charge?

February 1, 1000 capital confirmation (note that it is confirmation).

February 5 1000 fund confirmation.

According to? First in first out? In principle, first sell 1 000 funds confirmed on February1day, and then sell 500 funds confirmed on February 5 (the remaining 500 funds). According to? Piecemeal billing? According to the principle, the 1000 confirmed on February 5th is held for more than 30 days, with a reference rate of 0.5%, and the 1000 confirmed on February 5th is held for less than 30 days, with a reference rate of 0.75%.

If you want to save some transaction costs, you can choose to redeem the fund of 1000 on March 3, and then redeem the remaining funds.

By understanding the fund redemption rate and trading rules, we can reduce the blind frequent operation and transaction costs. If we combine the uncertainty and volatility of the market, we will find the importance of fund investment fund management. It is the best gesture for investment funds to buy slowly on dips. Speculation with short-term funds, guessed the money to pay the handling fee, and guessed the wrong high position. ? Buddha raises a base? It's not unreasonable, do you agree?