According to the types of money funds purchased by wealth management users, the redemption time of funds will be different. Generally speaking, according to the difference of the arrival time of different types of funds, the arrival time of money funds is the fastest, the money funds purchased online can arrive in 1 working day, the stock funds and bond funds need 3 working days, and other QDII funds need longer time. \x0d\ Secondly, there are differences in the arrival time of funds from different purchase channels \x0d\ \x0d\: \ x0d \ x0d \ There are skills to cancel the transaction \ x0d \ Unlike traditional consignment, online fund transactions do not need to fill in a large number of documents, so it is very convenient to apply or cancel the application before the application is confirmed. An application issued by an investor before 3 o'clock on T-day may be revoked before 3 o'clock on T-day. When the transaction is cancelled, the returned funds will be received in real time. \x0d\ First of all, there are generally two situations for fund redemption. The current fund is inconsistent with its own investment style or has reached the expected investment income. We often say that fund investment should be long-term. Assuming that the original planned investment duration is 20 years, it does not mean that the fund investment will not be redeemed until the 20th year. It is possible that the bull market happened in the 10 year of fund investment, and the income in the past 10 year can be realized in the 10 year, so the fund can be redeemed in advance. However, there is another possibility. The fund has invested for 20 years, and it feels that even if there is no better way to invest the cash held by individuals, the investment period can be extended. \x0d\ Therefore, when redeeming, the fund will be redeemed in batches, and when the market position is high, the fund will be converted into an investment product that is more in line with the personal investment style; In addition, step-by-step redemption can also reduce the impact of market fluctuation risk on investment. Redemption of funds should be planned in advance, and it is unwise to redeem funds in a bear market. \x0d\ Secondly, there is no universal rule for fund redemption, which is similar to investors' understanding of risk. Some people think that the risk is whether to lose money forever, while others think that the risk is that the income is lower than personal expectations, so the charm of the fund is not exactly the same for different investors. Before redemption, you can ask yourself if there are any other better substitutes and measure whether it is the best investment plan to withdraw from the fund in the future. Assuming that the personal investment goal is annualized rate of return 10%, then sell it in batches after reaching the expected rate of return. \x0d\ Funds can choose to sell when the valuation is relatively high. Take index funds as an example. Index funds track a batch of stocks, calculate the current price-earnings ratio and price-to-book ratio of the tracked index according to the stock weight, and sell the guaranteed income when the price-earnings ratio is obviously too high to exceed 40. At present, many websites will update the current valuation of the fund daily, such as undervaluation, moderate valuation or overvaluation. It is also a good choice to choose a fund valuation calculation method that conforms to personal investment style and choose the redemption time of the fund. \x0d\ Look at the stock market for redemption \x0d\ Most funds are synchronized with the stock market trend. The stock market rose sharply, the net value of the fund also rose sharply, the stock market fell sharply, and the net value of the fund also fell sharply. Therefore, as a citizen, it is a good skill to judge the top and bottom of the stock market, judge the overall trend of the stock market, and decide the timing of redemption according to these circumstances. \x0d\ See whether the fund portfolio decides to redeem \x0d\ The fluctuation of the fund's net value is closely related to the stock market and the stock trend of the fund portfolio. The top ten awkward stocks in the fund portfolio are the focus of our attention and research. If there are stocks that are about to plummet, it is time to redeem the fund; If the heavy stocks are concentrated in a Harbin industry, it is also the time to redeem the fund when there is a risk in this industry.