Fund income is related to whether investors can make money, so the degree of attention is relatively high. First of all, funds are divided into different types, and there will be different places, so will the fund income change every day? Today, Bian Xiao has compiled some fund-related knowledge for everyone. Let's have a look!
Will the fund income change every day?
Funds have no fixed rate of return. Generally speaking, the rate of return on funds changes every day. For example, the income of the money fund changes every day. However, it should be noted that the returns of equity funds, hybrid funds, index funds, ETF funds and LOF funds do not change every day, but only on trading days. Therefore, different types of funds will have different fund returns.
The trading hours of the Fund are from 9: 30am to11:30am from Monday to Friday, and from13: 00pm to15: 00pm, and no trading is allowed on legal holidays. It is worth noting that the fund income will generally be updated the next day.
Fund returns change with time. Generally speaking, the net value of the fund refers to the price of the fund, and then changes at any time during the trading hours. However, it should be noted that funds are not all traded in real time like stocks. Take OTC funds as an example: funds are traded at the closing price of the day, and there is only one price every day.
Funds are generally T+ 1 transactions. If it is bought on the trading day, it is calculated according to the net value at the close of the buying day. The shares will be confirmed on the second trading day, and the income will be calculated after the shares are confirmed.
Can I withdraw money from the fund at any time?
According to the provisions of fund products, some funds can be withdrawn at any time, while others cannot be withdrawn at any time. For example, closed-end funds can only be redeemed and the money can be taken out after a fixed opening period.
If you want to know whether the money can be withdrawn at any time, you can look at the fund contract, which will generally be explained. In addition, it is worth noting that the fund can be withdrawn at any time, but it does not mean that it will be received immediately. The fund can only receive the account after confirming the share.
Generally speaking, it takes T+ 1 trading day to confirm the shares of money funds, stock funds, index funds, hybrid funds and bond funds. To give a simple example, suppose investors buy a stock fund and the redemption time happens to be Monday, then T+ 1 can take out the share after confirmation on Tuesday.
If you care about the flexibility of the fund, you can generally consider Yu 'ebao or Exchange. Both of them are linked to the money fund, and the risk of the money fund is very small. Moreover, the biggest difference between these two products and money funds is that they can support two-hour fast payment, and they can be directly used for payment, which is very convenient.
The fund will not continue to deduct money after the loss of principal.
The fund will not continue to deduct money after losing all the principal. Theoretically speaking, it is possible for the fund to lose all the principal, but in fact, the fund will not deduct all the principal, because when the fund loses to a certain extent, it will go through bankruptcy liquidation, and after bankruptcy liquidation, it will distribute the remaining shares.
However, it is unlikely that the fund will be liquidated. Just say that if you buy high-risk stock funds, index funds, hybrid funds, etc. It is also possible for the fund to lose 20%~40% a year. Suppose you buy a fund of 100 yuan and lose 40%, then you lose 40 yuan, and the degree of loss is still relatively large.
The loss of fund principal is generally due to the decline of fund investment target. For example, the loss of the principal of the equity fund indicates that the stock market invested is not good, and the stock fund will also fall if the stock falls. If the bond fund loses money, then the investment target of the bond fund will fall.
When investors buy funds, they should choose good funds to hold for a long time. The fund itself has risks, and it is normal to lose money. Funds have gone up and down. As long as they buy low and sell high, they can make money.