How to choose the subscription time of money funds and maximize the efficiency of funds?

In recent years, the public's concept of investment and financial management has generally increased. They are not afraid of earning less, and they are afraid of not managing money. Instead of keeping money in the bank, it is better to invest with idle funds. Monetary fund is a good fund product suitable for financing with balance, so how to choose the subscription time of monetary fund? How to choose the subscription time of money funds and maximize the efficiency of funds? Bian Xiao will analyze it for everyone today.

Now the money fund has become a necessary product for home travel and cash management. It is very important to choose the subscription time of the money fund. Buying money funds at the right time will greatly improve the efficiency of your capital use.

From the purchase of money fund to the expected annualized expected return, it takes three steps, namely, submitting the purchase application, the fund company confirming the purchase application, and calculating the expected annualized expected return. Among them, if you choose the right purchase time, the first two links can be condensed into one working day, which greatly improves the efficiency of the use of wealth management funds. If you accidentally choose the wrong time, then the funds can lose up to three days of expected annualized expected income.

How to choose the subscription time of money fund

Bian Xiao now lists the purchase possibility and the calculation time of expected annualized expected income at all time periods in a week as an investment reference:

Submit a purchase application

The fund company confirms the subscription application.

Calculate the expected annualized expected income

Expected annualized expected income loss

Before the point.

Monday

Tuesday

Unexpected annualized expected income loss.

Tuesday

Wednesday

Thursday

Friday

next Monday

Loss of two days expected annualized expected return

After this point,

Monday

Tuesday

Wednesday

Expected annualized expected return for a day lost.

Tuesday

Wednesday

Thursday

Wednesday

Thursday

Friday

Thursday

Friday

next Monday

Loss of three days expected annualized expected return

Friday

next Monday

Next Tuesday

From the table, we can clearly compare the efficiency of the use of funds when we submit the purchase application in different time periods.

Basically, every day 15 is considered as the time node for the monetary fund to confirm the subscription. For the subscription application before 15, the fund company can confirm the investor's subscription application on the same day (except Friday), and the expected annualized expected return can be calculated the next day. Making a purchase application within this time interval will not cause time loss. However, if investors buy goods after the point, the wealth management funds will face the expected annualized expected income loss of 1 to 3 days.

Therefore, choosing the time of money fund subscription can maximize the efficiency of funds and prevent our expected annualized expected income from sneaking away.