Ant Fortune and Tian Tian Fund promised to redeem partial stock funds? T+ 1？ Funds arrive quickly. In order to cope with the challenge of the rapid arrival of funds on the Internet sales platform, banks and other consignment agencies have also launched a rapid redemption business, but small partners must pay a certain fee if they want to get their money back in advance.
Partial stock funds are easy T+ 1
For the small partners of investment funds, once they choose to redeem the fund, they certainly hope that the funds will arrive as soon as possible, and Ant Wealth has made use of the breakthrough of technology and trading system to realize the rapid realization of funds? T+ 1？ Arrive quickly, the reporter downloads the ant wealth, who will enter the user interface first? Can fund redemption achieve T+ 1 quick arrival? This is the traditional fund sales channel? T+2？ Or? T+3？ Generally speaking, it is undoubtedly subversion and impact, so the question is coming. How does the ant wealth do it? T+ 1？ The funds arrive quickly?
It is understood that? T+ 1？ There are two main ways to realize the direct withdrawal of funds: redemption to the money fund and early withdrawal. The conversion of stock funds into monetary funds is generally the form of fund conversion. In the past, the same fund company can use this model to redeem, and now it can also be realized between products of different fund companies. According to industry analysis, ant fortune should have financial support, but this is a matter for ants and banks, and the basic population does not have to pay.
The rapid redemption of ant wealth has made competitors greet each other. Tian Tian fund network latest announcement, the company launched? Quick redemption? Function, redemption of equity funds? T+0？ To the platform of the living treasure.
Compared with the normal mode, the ultra-fast mode can be recharged to the active treasure on the day of applying for fund redemption, and it can be withdrawn after T+ 1 confirmation, earning at least 4 days more than recharging to the active treasure after returning to the bank card.
You have to pay some interest to redeem it quickly through the bank's agency channel.
Banks and other traditional fund sales channels, the current redemption time of stock funds is generally? T+5？ However, in order to cope with the challenge of the rapid arrival of funds on the Internet sales platform, many banking institutions have also launched the fund quick redemption business, but most of them are aimed at money funds and some are aimed at other equity funds. However, for funds purchased through traditional consignment channels such as banks, small partners must pay a certain fee if they want to get the redemption money in advance.
Specifically, for example, interest charges are charged according to the number of loan days, and the interest standard is calculated according to the benchmark interest rate of six-month loans announced by the central bank.
Take stock funds and funds paid with 654.38 million yuan as examples. At present, the benchmark interest rate for a six-month loan is 4.6% per annum, so the interest to be paid two days in advance is 654.38+000000? 4.6%? 2? 365=25.20 yuan.
In addition, in many cases, the funds redeemed by the basic people are not all fund assets, and generally there will be a certain discount. Take 10% discount as an example. If the equity fund assets redeemed on the same day are 654.38+10,000 yuan, then the next day's funds will be 90,000 yuan, and the rest will arrive after T+4 or T+5 working days, and the loan principal and interest will be deducted.
There are also many boys who use fund conversion to redeem? Curve redemption? The method to achieve fast arrival. For example, stock funds are redeemed on Monday. Under normal circumstances, it takes T+5 working days for the redemption money to arrive; If the fund is converted on Monday, it can be confirmed on T+ 1 day. The converted monetary fund can be redeemed on T+2, and the redemption money can be obtained on T+3 (Thursday) at the earliest.
However, the fund conversion is only applicable to the products of the same fund company sold by the same institution, and the actual arrival time needs to be determined according to the normal redemption speed of the converted money fund. If it arrives at T+2, then? Curve redemption? T+4 days to the account, the time to the account is still slower than the sales channels of emerging funds such as Ant Wealth and Tian Tian Fund Network.
Finally, boys need to be reminded that the closing time of the stock market is the boundary on T-day. Transactions submitted before 15:00 every day are traded according to the net value announced after the closing of that day, and transactions submitted after 15:00 are traded according to the net value of the trading day, and the time is from the last working day before the weekend or holiday to the first working day after the holiday. If it is a redemption operation before 15:00 on the same day, it will be calculated based on the net value of the fund announced after the close of the day; If it is a redemption order declared after 15:00, the closing price of the next day shall prevail.
In addition, the fund company needs settlement funds, so it takes some time to redeem the fund. Even if the same fund is sold in different banks, the redemption time will be different.