2. Open-end funds can be redeemed, and the money can be recovered through redemption.
Different funds have different redemption rules and redemption rates. When buying a fund, you must be clear about the poor liquidity of the fund.
So, how to save it? How to operate fund redemption:
Fund redemption is the behavior that investors ask fund managers to redeem their shares of open-end funds. When handling fund redemption, investors need to apply at the original account opening branch, or they can apply for redemption at the website of the relevant fund company or bank.
The fund redemption time is 9: 30- 15: 00 on the trading day of the stock exchange. The application submitted by investors within the specified time on the same day (T day) can generally be queried at the redemption outlets on T+2 and the redemption confirmation form can be printed. Investors who apply for redemption by phone or website can also inquire and print the confirmation form in a corresponding way. The sales organization usually transfers the redeemed funds to the investor's fund account before T+7.
Fund redemption follows the principles of "unknown price" and "share redemption". "Unknown price" means that the redemption price is calculated according to the net value of fund shares on the day of application; The principle of "share redemption" means that investors apply for redemption according to the number of shares (when purchasing funds, they apply for redemption according to the amount). The minimum share of a single redemption per account is 65,438+000. If the redemption makes the fund share balance retained by investors at the sales outlets less than 65,438+000, the balance must be redeemed together. The redemption application on the same day can be cancelled before 15: 00 on the same day.
Operating procedures for redemption of bank counter funds
If you used to buy funds through bank investment channels, you only need to bring your valid personal certificate to the bank counter to consult the staff and follow the instructions of the staff.
How to operate the fund redemption of fund companies?
First log in to official website, the fund company you choose, find "Online Fund" in the menu above, and then click "Redeem Fund" in my fund subdirectory in the online fund to enter the redemption fund. Click "Redeem" on the right to display your information for your reference. If there are no questions, click "Submit" and "Confirm".
It should be noted that the newly purchased funds can only be redeemed or converted after T+3 days (including the third day). (except subscription funds) Here's a trick. If you want to redeem the fund (especially the stock base), you can first convert it into a money fund and then redeem it. Generally, stock funds arrive at T+2-7, that is, your money will arrive at your pre-bound bank card on the 2nd-7th trading day of your redemption. The monetary fund of the same company is generally T+ 1-2. First, it takes two days to transfer the stock base to the cargo base (for example, if it is transferred today, it can be redeemed from the Monetary Fund the next trading day). It usually takes 3-4 days from stock base to redemption. Needless to say, you can still enjoy the benefits of the money fund for two days.