Since most open-end funds implement T+3 or T+4 in their transactions, once investors are in urgent need of money, the funds will not arrive for a while, which will inevitably delay things. In fact, as long as investors can flexibly use fund redemption skills, they can minimize the time for fund redemption. Trick 1: Pick T+3 funds. At present, there are hundreds of open-end equity funds issued by large and small fund companies, but the time for each fund company to redeem its funds is not uniform, some are T+3, some are T+4. Therefore, financial experts advise investors that when buying a fund, they must look at whether the redemption time of this fund is T+4 or T+3. If the operation level of the two funds is similar, it might as well. Trick 2: choose the curve to redeem most fund companies not only have stock funds, but also monetary funds. Their mutual transfer of funds is T+0 or T+ 1. Therefore, investors can skillfully use the time difference to effectively shorten the time for the redemption of funds. For example, the investor Mr. Zhang is in urgent need of money. There is a stock fund that needs to be redeemed, but he wants to shorten the time on the road. The mutual conversion between stock funds and monetary funds of fund companies is T+0, so Mr. Zhang first converts his stock funds into monetary funds and redeems them. Because the redemption of monetary funds is generally T+ 1, Mr. Zhang's fund redemption time will be shortened by 65,438+. Trick 3: Using the system to trade investors sometimes ruin the redemption plan because of their busy work. In fact, if some business projects of banks and fund companies are effectively applied, this situation can be avoided from happening again. At present, most banks and fund companies have opened the fund investment reservation redemption business. As long as investors agree on the redemption price and time in advance in the online trading system of banks or fund companies, at that time, even if investors are busy and have no time, the system will automatically complete the transaction according to investors' instructions. Tip 4: The calculation of redemption time of funds on the way to avoid legal holidays is based on working days, and national legal holidays, such as Sunday, Labor Day, National Day and Spring Festival, are not included in the calculation. For example, when Ms. Wang redeems equity funds on the last trading day before the Golden Week, the funds must be received on the fourth to fifth working days after the seven-day holiday, and T+3 or T+4 becomes T+ 1 1 or T+ 12. If investors purchase funds on the last trading day before the Golden Week, they can still make a deal after the Golden Week. In this way, their funds will not be used for seven days, and their deposits will not receive any interest. Therefore, from the perspective of financial management, whether it is to purchase or redeem funds, we must avoid holidays.