Most of the funds redeemed by open-end funds are T+2 or T+3, and the redemption time is long, which restricts the investment liquidity and makes many people flinch. However, mastering some tricks can minimize the transit time of open-end funds and further improve their profitability and flexibility.

Clever use of fund conversion "curve" redemption. Many fund companies stipulate that T+0 or T+ 1 is used for the conversion of their monetary funds and equity funds. Making good use of this provision and skillfully playing the time difference can shorten the transit time of redemption. For example, if you need to redeem the equity fund, if the fund conversion of the fund company is T+ 1, you can first convert the equity fund into a monetary fund, so that your fund can be converted into a monetary fund the next day, and the redemption of the monetary fund is generally T+ 1, so that the time on the way to fund redemption is equal to saving 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+2, and some practice T+3. If there is little difference in fund operation level, in order to enhance the flexibility of investment, investors should try their best to choose an open-end fund with T+2.

Try to avoid buying and redeeming before holidays. The fund's time 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 the Golden Week, and the money can only be received on the second working day after the seven-day holiday, which is the virtual T+8; If it is bought on the last trading day before the Golden Week, the transaction will not be completed until after the Golden Week. During the Golden Week, funds will not receive interest on deposits, nor can they enjoy the wealth management benefits of money funds. Therefore, from the perspective of income, the purchase and redemption of funds should try to avoid holidays.

Using "agreed investment" can save time and energy. In the process of fund investment, sometimes due to busy work, investment plans such as fund purchase and redemption are forgotten, which delays the purchase and redemption of funds and affects the normal use of funds, which is virtually equivalent to increasing the time of funds in transit. 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 will automatically complete the transaction according to your instructions, saving time and effort.