T-day refers to the trading day of the fund, that is, Monday to Friday except weekends and legal holidays. The calculation of T-day is bounded by the closing time of the story, that is, the operation before trading day 15:00 can be regarded as T-day, and the operation after 15:00 can be regarded as T+ 1. The standard for determining the operation time is the payment completion time.
So many times, the purchase of funds is based on the net value of the day, but there are exceptions. For example:
If the payment is successful before February 30th (Monday) 1 or 15:00, the net value of the fund shall be calculated according to the net value on February 30th, 65438;
2. After Monday 15:00 on February 30th and before Tuesday 12 and 3 1, the net value of the fund shall be calculated according to the net value of 12 and 3 1;
3. If the payment is successful after 65438+February 3 1 (Tuesday) 15:00, the net value of the fund will be calculated as 65438+1 October 2, and New Year's Day 65438+ 10/is legal.
Extended data:
When is the net redemption value of the fund calculated?
The calculation method of fund redemption net value is similar to that of fund subscription. If the fund is sold on T-day, the fund company will calculate the net value on T-day.
For example, if the fund is redeemed after February 3 1 day (Tuesday) 15:00, the net redemption value of the fund is calculated as1October 2, and the redemption confirmation date is 65438+1October 3.
The above content about buying funds is calculated according to the net value of the day, and I hope it will help everyone. Warm reminder, financial management is risky and investment needs to be cautious.
Fund subscription principle:
Fund subscription adopts the principle of unknown price trading, that is, when investors buy funds, they calculate the fund shares they buy based on the net asset value of the fund shares after the closing of the market on the day of application.
At the same time, investors subscribe for funds around 15, and their subscription prices and confirmed shares are different. If an investor subscribes for a fund before 15, he shall submit the subscription form on the same day, and confirm the share on the next trading day according to the net value of the fund announced that night. If investors purchase funds after 15, their purchase orders will be submitted on the next trading day, as follows.
In short, when investors buy a fund, they think that the fund will rise in the later period, so they try to buy the fund before 15. On the contrary, if they think that the fund will decline in the next trading day, they can choose to buy the fund after 15.
Calculation of fund redemption fee:
The calculation formula of fund redemption fee is: redemption fee = (fund share * fund unit net value) * redemption rate, so to calculate redemption fee, investors should know the redemption rate when redeeming. Generally speaking, the longer the holding time, the lower the redemption fee. If the holding time is less than 7 days, the redemption rate is not less than 1.5%.
For example, the handling fee for holding a fund within seven days is 1.5%, and the handling fee for holding a fund from seven days to 30 days is 0.5%. Suppose an investor holds 1 000 funds, and the net value after holding for six days is 1.5 yuan.
The redemption fee within 7 days is calculated according to the formula (1000 *1.5) *1.5%, and the redemption fee is 22.5%.
If it is redeemed within 7 days to 30 days, it will be calculated as (1000* 1.5)*0.5%, and 7.5 yuan handling fee will be charged.
Therefore, it is best for OTC fund investors to hold it for a long time. If they hold it for a short time and sell it, it is easy to pay a high redemption fee, and it is also easy to chase up and down.