After buying a fund, it will not be confirmed immediately, but there will be a confirmation time, and some novices don't know much about it, so how long will it take to confirm the fund? Can I cancel the fund purchase after confirmation? What does the following small series mean by divestment? I hope you like it.
What exactly does divestment mean?
Fund withdrawal refers to the behavior that investors redeem or withdraw from the fund and withdraw the investment principal from the fund. Capital withdrawal can be partial or complete, and investors can decide the amount and time of withdrawal according to their own needs and goals.
Investors should pay attention to the following points when purchasing funds:
Investment objectives and risk tolerance: know your investment objectives and risk tolerance, and ensure that the selected fund matches your investment objectives and risk tolerance.
Fund types and strategies: Choose the fund types and strategies suitable for your investment needs, such as stock funds, bond funds and hybrid funds. Understand the investment strategy and risk-return characteristics of the fund to ensure that it is in line with its own investment views and risk preferences.
Fund managers and fund companies: evaluate the experience and performance records of fund managers and understand the credibility and management ability of fund companies. The investment decision-making ability of fund managers and the management level of fund companies have an important impact on the performance of funds.
Fees and rates: pay attention to the cost composition of the fund, including management fees, sales service fees, subscription fees, redemption fees, etc. Understand the impact of different fees on investment returns and choose low-cost funds.
What should I pay attention to when buying funds?
Fund performance and risk: pay attention to the historical performance and risk indicators of the fund, such as annualized rate of return, volatility and maximum retracement. Multi-dimensional evaluation of fund performance and risk.
Market environment and economic trends: consider the macroeconomic situation, industry trends and market risks of the market. Understand the influence of market environment on the fund and the relative performance of the fund.
Regular review and monitoring: regularly review the performance of investment portfolios and funds, and make necessary adjustments according to needs and market conditions.
What risks should I pay attention to when buying a fund?
Market risk: the value of the fund will be affected by the fluctuation of market conditions, including the stock market and bond market. Market risk may lead to the loss of investment principal.
Additional cost risk: purchasing funds may generate some additional costs, such as management fees, sales fees, custody fees, etc. These expenses will have a certain negative impact on the fund's income.
Risk preference and risk mismatch: Different funds have different investment strategies and risk levels, so investors need to choose a fund that matches their risk preference to avoid taking unbearable risks.
Liquidity risk: some funds may have liquidity risk, that is, investors may not be able to redeem their fund shares in time when they need to.
Fund manager risk: the performance of the fund is influenced by the investment decision and ability of the fund manager. If the fund manager's performance is poor or resigns, it may have a negative impact on the investment return of the fund.
The difference between money fund and ETF fund
Monetary fund is a fund that mainly invests in low-risk short-term debt instruments and money market instruments, and pursues the preservation and liquidity of funds. The investment risk of money funds is relatively low, and the income is relatively stable, which is suitable for short-term capital deposits and liquidity needs. Buying money funds can generally be purchased and redeemed at any time, with high liquidity.
ETF funds (exchange traded funds) are funds traded through exchanges, similar to stocks. ETF funds can track specific market indexes or investment strategies, and have a wide range of investments, including stocks, bonds and commodities. Different from the traditional open-end funds, the shares of ETF funds are bought and sold through the stock exchange, and investors can trade in real time. ETF funds have the advantages of low cost, convenient transaction and high liquidity.
How long will it take to confirm the purchase of the fund?
How long does it take to buy a fund to confirm it? It depends on the situation and how the fund rules are stipulated. Generally speaking, most funds are confirmed by T+ 1, which means that if you buy on Monday of a working day, you can determine the meaning on Tuesday.
If it is Friday, if it was bought before 15:00, it will be confirmed next Monday; If it was bought after 15:00, it will be confirmed next Tuesday, and the confirmation time will be postponed on Saturday, Sunday and holidays. Therefore, when buying, you should look at the fund rules and know the confirmation time of the fund.
If the fund rule is T+2, the time to confirm the purchase of the fund will be extended. In short, if you bought it on Monday, confirm it on Wednesday. Those purchased before Friday 15:00 will be confirmed next Tuesday, and the confirmation time will be postponed on Saturday, Sunday and holidays.