In recent years, due to the gradual convergence of investment risks and the stability of the market, more and more people began to set foot in fund investment. In fund investment, an important rule is that the fund can only be redeemed if it is held for more than 7 days. So, how to calculate the fund holding time? This paper will analyze it from many angles.

First of all, from the trading day.

The trading day refers to the day when the stock exchange trades, generally from Monday to Friday, except for national legal holidays and non-trading days announced by the stock exchange. In the financial market, the settlement system of T+ 1 is usually adopted, and the delivery date is the trading day, that is, the second working day after the transaction. Therefore, when calculating the holding time of the fund, we can take the trading day as the standard to calculate all trading days between the buying and selling days.

For example, if you buy a fund on May 6th, the first day is May 7th, and the seventh day is May 13. Redemption can only be made after May 14.

Second, from the perspective of nature.

Natural days refer to calendar days, starting from 00:00:00 and ending at 00:00:00 the next day, and counted as 24 hours. When calculating the holding time of the fund, we can also calculate it according to the natural day. It will be regarded as a whole day, and the number of days from the start time of the start date to the end time of the redemption date will be calculated.

The above two methods are conventional calculation methods of fund holding time, which meet the requirements of fund redemption. However, there are still some points to be noted in actual operation:

1. Calculated by trading day: if the buying and redemption dates are on the same day, the holding time calculated in this way is 0 days. If it is required to be held for seven days, you can apply for redemption on the eighth day.

2. Calculate by natural days: if there are weekends or holidays in the holding days, it needs to be calculated.

3. In addition, different fund companies may adopt different calculation methods, so it is necessary to confirm the specific calculation method of the fund company before purchasing the fund.

To sum up, we can choose a reasonable calculation method according to the specific situation when calculating the holding time of funds, and pay attention to the handling of special dates, so as to control the investment reasonably. At the same time, for those who participate in fund investment for the first time, it is recommended to fully understand the relevant knowledge of the fund and reduce the investment risk.