Some people buy funds, but nobody cares about them for various reasons, so it is impossible to bring benefits in the long run. If the funds are left unattended for three years, what consequences will they face? The following are the consequences of ignoring the funds raised by Bian Xiao in the past three years. Welcome to read and share. I hope you like them.

Consequences of ignoring the fund for three years

1. Small floating income: Long-term neglect of funds may lead to small income. Industries with large market fluctuations, such as science and technology funds, may miss the explosive growth opportunities of industries such as the Internet and artificial intelligence if they are ignored for a long time. At the same time, if the ordinary stock market is depressed, funds with stocks as their main investment targets may suffer losses if they ignore them for a long time.

2. High investment risk: Fund investment is a high-risk thing. If it is ignored for a long time, it will be more susceptible to market influence and suffer losses. On the contrary, if you check regularly and pay attention to the dynamics of the market and fund products, you can minimize the possible risks.

3. Performance may be surpassed: the asset allocation and performance of the fund may be affected by personnel replacement and changes in management scale. If left unchecked for a long time, the performance of the fund may be worse and may be surpassed by other similar funds.

4. Higher cost: If it is neglected for a long time, the fund's income may not be large, but the corresponding management fee will be deducted. If neglected for a long time, it will not only waste possible benefits, but also waste management fees.

How long does it take to redeem the fund?

The fastest redemption of funds is on the same day, and the slowest is that ten companies arrive in about 4 days. Money funds can be redeemed quickly on the same day, ordinary redemption can be realized by T+ 1, and index funds, bond funds, stock funds and mixed funds can be redeemed by T+ 1. The redemption time of FOF fund and QDII fund is different, and the slowest may take more than 4 days.

In addition, if you apply for fund redemption after trading day 15:00, the arrival time of funds will be extended by one day on the basis of the above arrival time, so try to apply for fund redemption before trading day 15:00.

Generally speaking, according to different types of funds, the time for applying for redemption is different, and investors need to calculate the time for redeeming their own funds. Weekends and holidays are not fund trading days. Users who apply for redemption business after 3 o'clock on Friday will not receive the account until Monday.

How soon will the redeemed funds arrive?

The redemption time of different types of funds is different. The redemption time of money fund is generally T+ 1 day; The redemption time of stock funds is generally T+3 days; The redemption time of bond funds is generally T+3 days; The redemption time of QDII funds is relatively long, and it usually takes T+8 days to arrive, where T day refers to the trading day.

In addition, the time for investors to submit redemption applications is also very important. If you apply for redemption before the trading day 15:00, it will generally arrive at the account as expected; If it arrives after 0/5: 00 on trading day/kloc-,the arrival time will be delayed by one working day. When the fund is redeemed, if there is a legal holiday, then the time for the fund to arrive will be postponed.

The influence of money fund redemption

The redemption of money funds has a great impact on investors' asset allocation and investment portfolio, which will be introduced in detail below:

1, change of income level

The redemption of money funds will directly affect the income level of investors, especially in the case of large market fluctuations and short investment cycle.

2. Changes in portfolio allocation

The redemption of money fund may lead to the change of the share ratio of money fund in investors' portfolio, and then affect the risk and income level of the whole portfolio.

3. Adjustment of asset allocation

The redemption of money funds may prompt investors to adjust their asset allocation to adapt to market changes and personal needs.

Matters needing attention in redemption of monetary fund

1, redemption fee

Money fund redemption fee is the fee charged by banks or fund companies to provide services such as money fund sales and management. Different banks and fund companies may have different redemption fees, so before redeeming the money fund, you need to check and understand the relevant fee standards and choose according to your own situation.

2. Redemption time

The redemption time of money funds is generally T+ 1, that is, the redemption application is submitted on the same day and the redemption funds can be obtained the next day. However, in special periods, such as large holidays, the redemption time may be delayed, and it is necessary to plan your own capital arrangements in advance.

3. Redemption amount

There is usually no upper limit on the redemption amount of money funds, but for some smaller money funds, there may be a limit on the minimum redemption amount. In addition, during the redemption operation, it is necessary to pay attention to maintaining an appropriate share to maintain the balance of the portfolio.

4, personal tax issues

Personal income tax may be generated when the money fund is redeemed. According to the relevant laws and regulations of our country, the redemption income of money funds should be regarded as personal income, and the corresponding taxes and fees should be paid.