There is no income from the fund buying on the same day. At present, the fund calculates the income in T+ 1 working day, showing the income time as T+2. Investors who bought before 15:00 working day will get profits the next day, and investors who bought after 15:00 working day will get profits the third day.
For example, investors buy funds before Monday 15:00, calculate the income on Tuesday, buy funds after Monday 15:00, and calculate the income on Wednesday.
It is worth noting that most funds need handling fees, for example, the handling fee rate of index funds and stock funds is 0. 15%. When investors buy at 10000 yuan, they need to pay the formalities fee of 15 yuan.
Matters needing attention in fund investment:
1. Correctly understand the risks of the fund and buy a fund type that suits your risk tolerance.
Most of the funds issued now are open-end stock funds, which is the most risky fund in China. Some investors believe that the stock market is experiencing a big bull market, and many funds are issued through major banks, so there is absolutely no risk. But they don't know that the fund is just an expert in investing and managing money for you. They want to use your money to buy securities. Like any investment, there are certain risks, and this risk will never disappear completely. If you don't have enough risk-taking ability, buy partial debt or bond funds, or even money market funds.
2. Choosing a fund cannot be cheap.
Many investors will choose funds with lower prices when buying funds, which is a wrong choice. For example, a fund
Established and operated at the same time as fund B. One year later, the unit net value of Fund A reached 2.00 yuan/share, while the unit net value of Fund B was only 1.20 yuan/share. According to this rate of return, in another year, the unit net value of Fund A will reach 4.00 yuan/share, while the unit net value of Fund B can only be 1.44 yuan/share. If you buy B fund cheaply in the first year, the income will be much less than that of A fund. Therefore, buying a fund must look at the rate of return of the fund, not the price.