Since last year, the advantages of expert financial management of open-end funds have been fully demonstrated, and the growth rate of fund net value has generally exceeded 100%. However, most open-end fund transactions are T+3 or T+4, and the actual purchase and redemption takes a long time in transit, which restricts the liquidity of investment. Mastering some tips of purchase and redemption can minimize the transit time of open-end funds. Clever use of fund conversion curve to redeem. Many fund companies stipulate that T+0 or T+ 1 should be adopted for the conversion of their monetary funds and equity funds. Flexible use of this clause can shorten the exchange time in transit. For example, if it is necessary to redeem the equity fund, if the fund of the fund company is converted into T+ 1, the equity fund can be converted into monetary fund first, so that the fund can be converted into monetary fund the next day, and the redemption of monetary fund is generally T+ 1, which saves one day. Choose a fund with a short trading time in transit. Fund companies and individual funds have different regulations on the time of fund purchase and redemption in transit. Some practice T+3, and some practice T+4. If there is little difference in the level of fund operation, investors should try to choose an open-end fund with T+3. Avoid pre-holiday purchases and redemptions. The time of the fund in transit is calculated on working days, and the time in transit is not calculated on legal holidays. For example, the money fund is redeemed on the last trading day before a golden week, and the money can only be received on the second working day after a seven-day holiday, which is virtually T+8; If the purchase is made on the last trading day before the Golden Week, the transaction will not be completed until after the holiday. During the Golden Week, there is neither deposit interest nor money fund wealth management income. Using the agreed investment can save time and energy. In the process of fund investment, sometimes due to busy work, the investment plans such as fund subscription and redemption are forgotten, which affects the normal use of funds. At present, some banks and fund companies have opened investment reservation business, that is to say, through the online trading system of banks or fund companies, the time and price of fund subscription and redemption can be automatically agreed in advance, so that the system can automatically complete the transaction according to your instructions. (The above is the whole content of this article. )