T+ 1 day: transaction confirmation.

T+2~T+5 Redeem the money to the designated account (the time mainly depends on the fund custodian bank and the bank where your bank card is located).

If it is a bank, it will take 2 or 3 days, and if it is a bank, it will take 3-5 days.

(Money Fund is the fastest bank card in 1-2 days)

How to avoid the pit of fund subscription?

1. Most of those who rushed in to buy funds recently will go out at a loss.

It is true that some head fund managers have good long-term performance, but you must be able to hold on. Xiao Nan, the fund manager of E Fund, has counted that although the long-term compound income of his fund exceeds 20%, not many people hold his fund to make money, and the number of people who hold it for five years does not exceed 4. 1%. Most people rush in in a bull market and cut meat in a bear market.

Just like people who rush in now, most of them will leave at a loss.

For ordinary retail investors, the bull market is forbidden to buy funds.

2. The same fund manager's fund, buy old and not buy new.

Star fund managers often have a signature fund, which belongs to his masterpiece. However, we find that sometimes fund managers will restrict the purchase of their own signature funds and then open new funds.

There are often two situations.

A. The fund manager judges that the market is at a high level, which is also the time when the people have the highest enthusiasm for buying funds. At this time, if the subscription is released, it will inevitably affect the long-term income of its signature fund. So the fund manager will restrict the purchase of his representative works, but some people want to buy funds, and they can't make money without making money. So at this time, fund companies often re-issue a new fund.

Smart citizens will know when they see that ace funds are restricted from buying.

B, the signboard fund is not doing well enough, and the withdrawal is more serious. Fund managers don't make money for ordinary people, but want to make money by themselves. What should I do at this time? Issue new funds.

Some people may not understand this passage. Let me give you an example to illustrate. For example, a fund only bought one stock, and the share price of this stock is 10 yuan. Six months later, the stock fell to 5 yuan. The net value of the fund has also become 0.5. If the fund manager wants to earn dividends, then at least wait until the fund net value is greater than 1, that is, the stock rises 100%. This is too difficult. Fund managers may not return to 1 for many years.

Then the fund manager issues a new fund and uses 5 yuan to buy stocks. At this time, as long as the stock rises to 6 yuan, the net value of the fund will become 1.2. Fund managers can get dividends. At this point, it is hard to say what the fund manager did wrong. After all, it has no effect on the holders of old funds. However, if the old fund is open for subscription, Ji Min had better buy the old fund at this time.