With the change of investment concept and investment mode, more and more people begin to pay attention to stock funds. And fund conversion gives people more ways to operate stock funds. However, there is a problem that puzzles many people: the fund is converted before 3 o'clock, and which side is the next day's income? This paper will analyze it from many angles.

The first thing to be clear is that the fund conversion before 3 o'clock is the trading day. On the closing date, whether the fund is sold or converted, the income is calculated on the same day. Therefore, the fund converts the next day's income before 3 o'clock and calculates the converted fund income.

Secondly, you need to pay attention to the handling fee for the operation of fund conversion. Fund conversion also requires handling fees, and the calculation method of handling fees and whether there is a minimum payment amount are determined by different fund companies.

In addition, the calculation method of the next day's income of the fund before 3 o'clock is also related to the fund type. The conversion and calculation methods of stock funds are slightly different from those of monetary funds. For equity funds, the fund company will calculate the conversion and income according to the net value of the day and confirm it the next day. In the money fund, the conversion and confirmation time may be slightly different. Therefore, investors need to know the type of the selected fund and the time of conversion confirmation before buying.

Finally, we need to pay attention to the dividend issue of the fund. Although dividends will not affect the net value of the fund, it still needs attention. Some fund companies may convert shares before dividends, so that investors can get more income. And some fund companies will wait until dividends are paid before converting shares. Therefore, when investors switch funds, they should also pay attention to the dividend distribution time of fund companies and its impact on income.

To sum up, the fund needs to pay attention to the handling fee, fund type, dividend and so on before 3 o'clock to calculate the converted fund income. Before the operation, investors need to fully understand the situation of the fund and invest cautiously.