1, how to calculate the income when the money fund purchases and redeems on the same day?
For the fund shares subscribed on the same day, you will enjoy the fund distribution income from the next working day. Redemption on the same day, no longer enjoy the distribution income from the next working day. If you subscribe for fund shares on Monday, April 1 1, you will enjoy and calculate the fund income from Tuesday, April 12. Redeem the fund share in April 1 1, and enjoy the income in April 1 1, but the fund income from April 12 has nothing to do with you.
2. How to calculate the income when the money fund purchases and redeems on Friday?
The fund shares subscribed by investors on Friday do not enjoy the benefits of Friday, Saturday and Sunday; Fund shares redeemed on Friday enjoy the benefits on Friday, Saturday and Sunday. That is to say: if you subscribe for shares on Friday, April 7, the fund income will be calculated from Monday, April 6 10; If you redeem your share on April 7th (Friday), you can not only enjoy the benefits on April 7th (Friday), but also enjoy the benefits on April 8th (Saturday) and April 9th (Sunday), and you will not enjoy the benefits from April 10.
Friday is not suitable for subscription. If you buy from Monday to Thursday, you will only lose one day's interest. If you buy on Friday, you will not only enjoy the discount on Friday, Saturday and Sunday, but also have no interest for three days. Thursday is not suitable for redemption. Because there is no interest on Friday and there is no interest on Saturday and Sunday.
Fund companies stipulate that the fund shares purchased on Friday or the day before the holiday will enjoy the fund distribution income from the next working day, that is, the funds purchased by investors on Friday will not enjoy the income on Friday, Saturday and Sunday. It's just a theoretical conclusion from the manual. Friday is not suitable for subscription, but it's not. So in this case, how to calculate the income of the money fund? If you deposit a one-day notice deposit (0.8%), you can get 1.33 yuan for every ten thousand yuan after tax for three days on weekends. Theoretically, if you buy a money fund on Friday, you can only get the income on Monday. However, in terms of returns, the performance of funds on Monday is usually higher, and the funds with higher returns can even reach 1.3- 1.5 yuan or even higher. For fund subscribers, there is no loss, far higher than the one-day notice deposit of the bank. Of course, this operation depends on the fund they invest in.
How to calculate the income of the money fund? Subscribe to any money fund on Friday, and you can't enjoy the weekend income. The calculation of income can't start until next Monday. Because the funds are on the road, you will lose two days' current interest at the weekend, which is not very cost-effective. For money funds redeemed on Thursday when T+2 arrives, they will not enjoy the proceeds from Friday, but the funds will not arrive until next Monday. From Friday to Sunday, there is no current interest because the funds are on the way. Although Saturday and Sunday are not working days, you can still make money when your money is still working in the fund account. There are 52 weeks in 365 days in a year, plus Friday, there are no less than 8 1 day in a year.
3. How does the money fund calculate the income on holidays?
How to calculate the income of holiday money fund? It is basically the same as the subscription or redemption on Friday. Fund shares subscribed by investors on the last open day before legal holidays do not enjoy the benefits of that day and the whole holiday period; The fund shares redeemed on the last open day before the statutory holidays enjoy the benefits of that day and the whole holiday period. Take the May Day holiday as an example. If the fund shares are purchased on April 30th, the income will be calculated from May 8th. If the fund shares are redeemed on April 30th, you can enjoy the benefits on April 30th, including the benefits from May/KLOC-0 to May 7th. On May 8th, I will no longer enjoy the benefits of this fund.