The redemption time of open-ended wealth management products is generally T+ 1 or T+2, and some T+0 wealth management products can be received in real time.
If it is a fund or stock redemption, the institution will settle the funds after receiving all the redemption money from the fund company. Some institutions will receive the funds on the evening of T+3, and some will eventually transfer the funds to each investor's personal account on T+4 or T+5.
In most cases, due to the different liquidation regulations of various sales organizations, the time when the redemption money finally reaches the investor's account will be different.
However, in order to reduce the impact of liquidation on retained customers, the redemption money of the Fund was transferred from the fund assets to the general clearing account of the sales organization on T+3.
According to the rules of financial institutions, if it exceeds 15, it will be treated as an application on the second working day.
Extended data:
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.
Contains the following meanings:
Financial management is a lifetime wealth, not just to solve the problem of urgent need for money.
2 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.
③ 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).
Domestic institutions that can provide financial services to customers mainly include banks, securities companies and investment companies.
1. Bank investment
The wealth management products provided by commercial banks in China are generally certificates of deposit and asset management products. Funds sold by brokers or fund companies are not financial management.
2. Financial management of securities companies
Securities financing generally includes securities income certificates, asset management products and so on.
3. Insurance financing
Insurance financing tends to be long-term, focusing on solving education planning and pension planning after a long time, and solving security problems such as accidents and medical care.
4. Investment company financing
Financial management of investment companies generally includes trust funds, gold investment, jade, jewelry, diamonds and third-party financial management. With high initial capital requirements, it is suitable for high-end financial managers.
5. E-commerce financial management
2 1 century, in addition to online banking, financial search engines on the internet can also be used to search for financial products, compare risks and benefits, and then make investments.
Financial management methods:
You need to open a corresponding wealth management account when you go to a bank or a securities company for wealth management.
Generally speaking, wealth management accounts opened by banks can handle savings products, bank wealth management products and fund products, and large banks can also purchase them through the banking system.
Due to the wide distribution of bank outlets, investment and wealth management accounts opened through bank channels can be handled at bank counters.
The financial accounts opened by securities companies can be used to invest in a series of investment financial instruments such as stocks (including A shares, B shares and H shares), bonds (including government bonds, corporate bonds and corporate bonds) and futures (including financial futures such as stock index futures and foreign exchange futures, and commodity futures such as gold futures and agricultural products futures).
The opening of a securities account can be handled in the business department of a securities company, and it needs to be handled within the trading day.
The procedure of investing in a company is relatively convenient. Generally, you only need to provide a copy of your ID card and bank card.
Investment companies will also customize exclusive financial plans for customers.