Investors often encounter the problem that funds are still deducting money after redemption, or the redeemed funds are getting less and less. Why? The following small series brings less funds for fund redemption. Let's take a look at it together, hoping to bring some reference.

After the fund is redeemed, the money is still deducted, or the funds redeemed by the fund become less, for the following reasons:

1. If the fund is sold on the same day, but its fixed investment plan is not terminated, the investor will still deduct the money if he sells the fund on the same day. Therefore, when investors are not optimistic about the fund's later trend, when they sell, they will terminate the fund's fixed investment plan by the way.

2. The Fund follows the principle of trading at an unknown price, that is, the redemption is based on the net asset value of the fund shares after the closing of the application date. If the investor sells the fund after 15: 00 on the same day, the transaction price is the fund announced in the evening of the next trading day. So the fund fell the next day and will continue to deduct money.

3. Investors still need to deduct a certain redemption fee when selling the fund. The redemption fee is inversely proportional to the number of days held by the investor, that is, the longer the investor holds the fund, the less the redemption fee, the shorter the holding days, and the more the redemption fee. If the holding days are less than seven days, a high redemption fee will be charged according to 1.5% of the turnover, resulting in less redemption funds for the investor.

At the same time, the funds redeemed by investors will not arrive immediately, which is related to the time of submitting the redemption application, the product type of the fund and the fund platform:

1, fund type

Over-the-counter monetary fund redeems T+ 1 to the account; The redemption of stock funds and bond funds may take T+2 days to arrive; Redemption of QDII funds may take T+5 days to arrive, and it will be postponed accordingly in case of holidays.

2. Redemption time

The purchase and redemption of funds generally adopt the principle of unknown price. Therefore, it will cause investors to redeem before 15:00 and after 15:00, and the funds will arrive at different times. For example, if an investor redeems the money fund before the trading day 15: 00, the settlement will be made on the same day, and the redemptions will be made according to T+6550. If the investor redeems the money fund after 15: 00 on the trading day, the settlement will be made the next day, and the redemption of the fund will be delayed by one day.

3. Platform

When investors redeem funds on different platforms, the arrival time is also different. The investor's arrival time shall be subject to the arrival time. Generally speaking, investors redeem funds in securities companies and banks later than in fund companies. Part of the funds may not arrive until 3-5 working days after the investor submits the redemption application.

Seize the stocks with continuous daily limit.

In the mid-line stock picking skills, if you want to make a medium-long line layout, you must look at the current market situation. You can refer to the annual line (250 antennas) and semi-annual line (120 antennas) of the market index. If the trend is above the annual line and the semi-annual line, it means that it is not a bear market at present. In the face of national policies, investors should not be lucky enough to grab the rebound or choose to buy people, but should wait and see to clear their positions. If the stock market rises sharply, it is necessary to follow the trend and hold shares in the medium term.

Mid-line stock selection should be comprehensively analyzed from six aspects: K-line shape, technical index, relative price, company fundamentals, market trend and stock theme. We should give up some stocks with high P/E ratio and prices much higher than their intrinsic values.

As for how to seize the stocks with continuous daily limit? The initial share price rose by more than 6%; Must be "heavy"; The greater the increase, the stronger the trend and the more favorable it is. Among the key conditions of daily limit, the opening price is 2-3 points higher and the opening price is not more than 2 points lower. The decline process cannot be heavy, and the heavy volume is suspected of shipping; The closing price is near yesterday's closing price, so it is best not to form a gap.

Analyze the handicap of a stock.

It is reported that the handicap includes the trend of the stock on that day, and the handicap size analysis of a stock mainly includes five parts, namely the commission ratio; Five trading orders; Opening price, closing price, price fluctuation, lowest price and highest price, volume ratio, internal and external disk, and total volume; Turnover rate, total share capital, circulating share capital, net assets, income and dynamic price-earnings ratio; Sales order.

In the stock market, the handicap of the stock refers to the real-time disk data window in the trading process. Handicap data usually consists of commission ratio, five pending orders, stock opening price, stock closing price, stock price rise and fall, stock highest price, stock lowest price, stock latest price, stock ratio, stock internal and external disk data, total stock turnover, stock turnover rate, total share capital, stock circulating share capital, stock net assets, stock price-earnings ratio, expected income, stock net inflow and stock turnover rate.