T-day purchase fund is calculated according to the net value of T-day, but T-day is two different concepts. T-day is the trading day of the fund, that is, Monday to Friday except weekends and legal holidays. The calculation of T-day is based on the closing time of the story, that is, the operation before 15:00 on the trading day can be regarded as T-day, and the operation after 15:00 can be regarded as T+65438. The standard for determining the operation time is the payment completion time.

The calculation formula of Alipay fund selling procedures: redemption fee = redemption quantity * net value of fund share on T day * redemption rate. Different funds have different selling rates. Short-term financial management funds and money funds do not charge. The longer the same fund is held, the lower the handling fee rate.

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Precautions:

What you need to pay attention to when buying a fund is that you should not put all your money in one type. For example, you should not put all your money in a stock type, which is relatively risky, and you should not put it in a fund with the same position, such as buying a fund holding liquor or real estate.

Big crash: This means that when the fund has a big crash, it usually only falls by about 2% or more, so you can increase your position because the probability of rising after the crash is higher. At this time, adding positions or heavy positions will have better returns.

Inflating and lightening positions: this is similar to the previous principle, that is to say, when there is an inflation, it is necessary to consider lightening positions, and extremes meet. I believe we all know that there will generally be a decline after the skyrocketing. At this time, lighten up the position in advance to avoid big losses.

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