It is very important to determine the redemption time for regular investment funds. If the market falls sharply, the effect of fixed investment will be greatly reduced. So what kind of strategy should the basic people adopt when considering stopping or redeeming the fund share of fixed investment? First of all, we should pay attention to the actual profit and loss point of fixed investment. Because the profit and loss point of the fund's fixed investment is not as clear as that of a single investment, investors must be clear, because only when the net value of the fund exceeds this profit and loss point at the time of redemption can the people really make a profit. In the process of fixed investment, when the net value of the fund unit is relatively high, the fund share purchased by the basic people is correspondingly less; When the market falls and the net value of the fund unit decreases, the fund share that the same fund can buy increases accordingly, which means that the fund share purchased by the basic people in each period is different. Therefore, the profit and loss point of the fixed investment of the fund is not the arithmetic average of the net value of the fund unit at each fixed investment, but should be estimated by dividing the total investment by the total share of the fund actually purchased. Secondly, after the fund's fixed investment is started, if it is necessary to cancel the contract temporarily, or if the market is at a high level, it is impossible to judge the direction of the follow-up trend. It is not necessary to redeem all units at once, and some units can be redeemed to obtain funds, and other units can be retained until the trend is clear. If the market trend changes, you can switch to another market with an upward trend to continue regular fixed investment. In fact, some banks have now launched fund redemption business. Fund redemption means that investors redeem a fixed share of the fund on a fixed date every month according to their own needs. This is a business fund that reverses the fixed investment of the fund, which disperses the risk in time, and the same is true for the fixed investment redemption. Because no one can accurately predict the high and low points of the market. If it is in the adjustment period, only a part of the fund will be redeemed; When the market picks up, the market value will continue to increase. Although the share of redemption is the same every month, the amount of redemption is actually different. Fund redemption is very suitable for people with mortgage, pension and children's education expenses. Cleverly shorten the fund redemption time. Because most open-end funds implement T+3 or T+4 in their transactions, once investors are in urgent need of money, the funds will not arrive for a while, which will inevitably delay things. In fact, as long as investors can flexibly use fund redemption skills, they can minimize the time for fund redemption. Trick 1: Pick T+3 funds. At present, there are hundreds of open-end equity funds issued by large and small fund companies, but the time for each fund company to redeem its funds is not uniform, some are T+3, some are T+4. Therefore, financial experts advise investors that when buying a fund, they must look at whether the redemption time of this fund is T+4 or T+3. If the operation level of the two funds is similar, it might as well. Trick 2: choose the curve to redeem most fund companies not only have stock funds, but also monetary funds. Their mutual transfer of funds is T+0 or T+ 1. Therefore, investors can skillfully use the time difference to effectively shorten the time for the redemption of funds. For example, the investor Mr. Zhang is in urgent need of money. There is a stock fund that needs to be redeemed, but he wants to shorten the time on the road. The mutual conversion between stock funds and monetary funds of fund companies is T+0, so Mr. Zhang first converts his stock funds into monetary funds and redeems them. Because the redemption of monetary funds is generally T+ 1, Mr. Zhang's fund redemption time will be shortened by 65,438+. Trick 3: Using the system to trade investors sometimes ruin the redemption plan because of their busy work. In fact, if some business projects of banks and fund companies are effectively applied, this situation can be avoided from happening again. At present, most banks and fund companies have opened the fund investment reservation redemption business. As long as investors agree on the redemption price and time in advance in the online trading system of banks or fund companies, at that time, even if investors are busy and have no time, the system will automatically complete the transaction according to investors' instructions. Tip 4: The calculation of redemption time of funds on the way to avoid legal holidays is based on working days, and national legal holidays, such as Sunday, Labor Day, National Day and Spring Festival, are not included in the calculation. For example, when Ms. Wang redeems equity funds on the last trading day before the Golden Week, the funds must be received on the fourth to fifth working days after the seven-day holiday, and T+3 or T+4 becomes T+ 1 1 or T+ 12. If investors purchase funds on the last trading day before the Golden Week, they can still make a deal after the Golden Week. In this way, their funds will not be used for seven days, and their deposits will not receive any interest. Therefore, from the perspective of financial management, whether it is to purchase or redeem funds, we must avoid holidays. How to make the fund redemption quickly reach the capital market, time is money. Many fund investors have this experience. The subscription and purchase of funds are very convenient, but it seems that it is not so "refreshing" when redeeming. It often takes several working days to get the account, which delays many good investment opportunities. How can we accelerate fund redemption? In the recent sharp adjustment of the stock market, the performance of most open-end funds is obviously stronger than that of the broader market, once again showing the demeanor of "expert financial management". For small and medium-sized investors, open-end funds have the dual advantages of profitability and liquidity, and fund companies take care of their own assets, saving worry and effort. However, many fund investors have encountered such a problem. The subscription and purchase of the fund are very convenient, but it seems that it is not so "refreshing" when it is redeemed. "It takes T+7 working days to redeem a fund, plus two weekends, and it takes almost 9 days to get the funds in place. Why is the fund redemption so slow? " "The same fund, redeemed at Bank A, will arrive in two days. Why does it become T+3 and T+4 when it is changed to line B? " For example, after an investor issues a redemption order, the order will reach the fund company's database. Every day, they will summarize the fund redemption situation of the day and set aside the corresponding cash for the redemption of investors. For different fund types, fund companies have different processing times for redemption and settlement, such as money funds and short-term debt funds, the interval between trading day and settlement day is small, generally the day after trading day; If it is a stock fund, it is usually the third or fifth day of the trading day. After the settlement, the money arrives at the bank, and the bank will have to settle for 1 to 2 days before the redemption amount can be credited to the investor's account. It can be seen that the redemption speed of a fund is closely related to the settlement speed of fund companies and consignment channels. Therefore, even for the same fund, the redemption time will be different in different consignment channels.