Investors will have fund shares when they buy funds, but some novices don't understand them very well and will be confused. So does the fund share have anything to do with our profit? The following small series will answer your question.
Does the fund share have anything to do with our profits?
The fund share is related to your profit. Fund share is the number of fund products purchased by investors, and the value of fund share held by investors will change with the rise and fall of fund net value. When the net value of the fund rises, the value of the fund shares you hold will also increase, thus achieving profitability. On the contrary, when the net value of the fund falls, the value of the fund shares you hold will decrease, and you may suffer losses.
What important knowledge does the fund have?
Fund types and risks: understand different types of funds and their investment strategies, risk preferences and income characteristics. This will help you choose a fund product that suits your needs and risk tolerance.
Net fund value: the net fund value reflects the income of fund shares and is the reference standard for investors to buy and redeem fund shares. Regular attention to the changes in the fund's net value can help you understand the fund's performance and possible risk conditions.
Fund expenses: Fund expenses include management fees, custody fees, sales service fees and other expenses. These expenses will directly affect your return on investment. Understanding and comparing fund expenses is one of the important factors in making investment decisions.
Fund managers and management teams: Understanding the experience, management style and performance records of fund managers and management teams has an important impact on the long-term performance of funds.
Investment objectives and risk tolerance: Know your investment objectives, time requirements and risk tolerance, and then choose the appropriate fund products.
Fund share trading and liquidity: understand the trading mode, transaction cost and liquidity of fund shares, as well as the redemption rules and lock-up period of funds. This will help you manage your investment flexibly when needed.
Why can't all fund shares be sold?
Reason one: it may be a closed-end fund.
If it is a closed-end fund, there will be a time limit. If it does not expire, then the fund share cannot be sold in full, and it can wait until it expires or is open.
Reason two: it may be that the amount is too large.
If the amount of funds sold is too large, there may be restrictions on the foundation. You can redeem a little every day and then slowly redeem all the fund shares, but this situation is still relatively rare. When buying a fund, you need to read the rules clearly, and the general rules will be written on it.
Reason three: it may be a network reason.
The fund share cannot be completely sold. It may be because the network speed is slow and the transaction is unsuccessful. If you want to continue trading, you can find a place with a better network or a place with WiFi and redeem the fund.
Is the fund selling share money?
Fund sales share is not money. The fund share multiplied by the net fund value MINUS the selling cost is the amount of money that finally reaches the investors. Total fund assets = net fund value × fund share handling fee.
Generally speaking, the transaction price of the fund is calculated according to the net value of the fund, which is usually announced at 22:00 on the trading day, so when you buy the fund, you can look at the fund valuation a few minutes before three o'clock as a reference.
Can the fund be withdrawn immediately when it expires?
Generally speaking, the fund can be withdrawn immediately when it expires, but it depends on your own situation. If the fund has earned the value in your mind, you can redeem the fund immediately and let the money fall into the bag. However, it should be noted that immediate withdrawal does not mean that the funds will arrive immediately. Some investors will be very worried when they find that their funds have not arrived after redeeming their fund shares immediately.
In fact, the fund can be redeemed immediately when it expires, that is to say, it can be withdrawn, but this withdrawal refers to the redemption of the fund, and the redemption of the fund needs a process of confirming the share. Generally speaking, it will arrive at T+ 1 Of course, it depends on the regulations of the fund. It is also possible that it takes a long time to confirm the share, or it is slow to arrive on weekends and holidays. So everyone just needs to wait for the confirmation of the share funds.
Then, if this fund is losing money, but investors are still optimistic about this fund and want to earn back the money they lost before, they can continue to hold it, but if they buy a closed-end fund, they will enter the next closed-end period. This should be noted.
What if a 2000 fund loses 700 a day?
In 2000, the fund lost money to 700 yuan one day, with a relatively large decline. If you are not optimistic about this fund, you can choose to stop loss and redeem the fund in time to avoid greater losses, and then wait for the right time to enter the market. It is also possible.
Then, if you are optimistic about this fund, you can hold or add positions to speed up the return, but adding positions will increase its risk, so be careful when adding positions.
When analyzing, you can look at what the heavyweight stocks of this fund are, and then analyze whether the heavyweight stocks have any prospects. Secondly, we can look at the past income and see whether the fund is at a high level or a low level, because the situation of each fund is different, so these need to be analyzed by ourselves.
It should be noted that the general decline of high-risk funds is relatively large, so when buying, we must be cautious. Don't buy high-risk funds if you don't have the ability to take risks. Priority can be given to low-risk funds, such as money funds or pure debt funds. These two types of funds do not invest in the stock market, so the risk is relatively small.