Because there is a handling fee to be deducted. The loss on the first day of financial confirmation is the handling fee. Any wealth management product concentrates the money of retail investors and invests it in all walks of life, such as lending to companies and individuals, real estate development and buying a blue chip by institutions. Then, there is the management fee for managing your money. At present, except for Class C, stock-type Public Offering of Fund will charge subscription fee when purchasing, most of which is 0. 15%, and a few index funds are 0. 12%. Moreover, it belongs to the front-end charge, that is, the subscription fee has been deducted from the amount of the subscription confirmation share, and the subscription fee = subscription amount * rate. Therefore, the fund will show a loss when it is confirmed, and this part is the handling fee. If the net value of the fund unit is not updated on that day, and the loss ratio happens to be the subscription rate, then it is the deducted handling fee.

First, financial management methods

1, Monetary Fund Monetary Fund is generally a financial management method with low risk and relatively stable income. It can be purchased at Alipay Fund and WeChat Wealth Management. There is basically no risk, no loss of principal, and better flexibility. Now the more common ones are Alipay's balance treasure and WeChat's change pass. Although the income is relatively low, it is much higher than the bank's current interest rate and can be withdrawn and deposited at any time. It can be said to be very convenient.

2. Low-risk wealth management products Generally speaking, low-risk wealth management products have a time limit. When choosing, investors can choose reasonable distribution according to their spare money. For example, if you have a sum of money in your hand that has not been used for nearly six months, then buy a wealth management product for six months. If it is spare money for nearly three months, buy a wealth management product for three months.

3. Treasury bonds are issued at one time, but the interest rate of treasury bonds is generally higher than that of bank deposits, and the risk of treasury bonds is very low. As long as it is not taken out in advance, there is basically no loss.

4. Pure debt bond fund The risk of pure debt bond fund is slightly greater than that of money fund, but its income is the same. If you hold it for a long time, the income will be considerable and you will not lose money.

Second, the specific content

Financial management, as its name implies, refers to financial management. When people talk about financial management, they think of either investing or making money. In fact, the scope of financial management is very wide. Financial management is to manage the wealth of a lifetime, that is, the cash flow and risk management of an individual's life. It contains the following meanings: financial management is a lifetime wealth, not just to solve the problem of urgent need of money. Financial management is cash flow management. Everyone needs money (cash outflow) when he is born, and he also needs to make money to generate cash inflow. Therefore, whether you have money or not, everyone needs to manage money. Financial management also includes risk management. Because more flows in the future are uncertain, including personal risk, property risk and market risk, which will affect cash inflow (income interruption risk) or cash outflow (cost increase risk).