2. It should be noted that not all wealth management products can be redeemed in advance. General fixed-term wealth management products do not support early redemption after purchase, but can only be redeemed at maturity. Time deposits can be partially or fully withdrawn in advance. When withdrawing time deposits, the interest shall be calculated and paid for the part withdrawn in advance according to the deposit interest rate listed by the bank on the withdrawal date, and the interest and principal shall be calculated and paid for the rest according to the original term and original interest rate. After purchasing irregular financial products, investors can redeem them in part or in whole in advance according to the actual situation, and there is no specific time limit.
3. The redemption method after the maturity of wealth management products is related to the purchase method and the cycle of wealth management products. If you invest in short-term wealth management products such as 7 days, 14 days, investors need to take the initiative to bring their ID cards, agreements and bank cards to the counter for redemption after the expiration of such products, otherwise the funds will be transferred to the next cycle. If it is a long-term wealth management product, the funds will be returned to the investor's account within 1-3 working days after maturity, and investors do not need to redeem themselves. If it is a wealth management product purchased online, investors can sell it in the same way; Wealth management products purchased offline can be sold at the counter or by telephone.
What does the redemption share of wealth management products mean?
1. The redemption share of wealth management products refers to the redeemed wealth management amount. The wealth management share is the amount of wealth management, and the wealth management share is fixed, but the wealth management net value is not fixed, so the wealth management can only be redeemed according to the share, and the wealth management net value is generally updated on the second trading day. Wealth management share is not the total wealth management, but the total wealth management = wealth management share * net wealth management. Redemption share is not an amount.
2. Redemption share refers to the redemption method that investors apply for according to the selling share when selling the fund. The share in the fund and the number of shares in the stock have the same meaning, and the amount in the fund and the market value in the stock have the same meaning. Open-ended financial management can be redeemed in advance, while open-ended financial management can't be redeemed in advance, and closed-ended financial management can operate in a closed way. After the financial management expires, the principal and income will be automatically transferred to the investor's account.