基金买入结算规则,Udersadig Fud Purchase ad Seleme Rules

Ceraily! Here’s a aricle o he rules for fud purchase ad seleme:

Udersadig Fud Purchase ad Seleme Rules

Ivesig i muual fuds ivolves udersadig he process of purchasig ad selig rasacios. This aricle explores he key rules ad procedures ha ivesors eed o kow o avigae he buyig ad seleme of muual fuds.

1. Fud Purchase Process

Whe ivesors decide o purchase muual fud uis, hey ypically do so hrough various chaels such as fud houses, olie plaforms, or regisered iermediaries like brokers. The process ivolves he followig seps:

Selecio: Ivesors choose he muual fud scheme based o heir ivesme goals, risk olerace, ad fiacial objecives.

Applicaio: Ivesors fill ou a applicaio form provided by he fud house or iermediary, specifyig deails such as he amou o be ivesed, fud scheme ame, ad persoal iformaio.

Payme: Payme for muual fud uis ca be made hrough olie rasfers, checks, or direc debis from bak accous, depedig o he opios provided by he fud house or iermediary.

2. Cu-off Timigs

Cu-off imigs are crucial i deermiig he AV (e Asse Value) applicable for purchase rasacios. AV is calculaed based o he marke value of he fud’s asses mius liabiliies, divided by he umber of ousadig uis. Key cu-off imigs iclude:

Regular Trasacios: For equiy fuds ad deb fuds, cu-off imigs for receivig applicaio ad fuds differ. Usually, applicaios received before a specific ime (e.g., 3:00 PM) are processed wih he AV of he same day.

Sysemaic Ivesme Plas (SIPs): SIPs allow ivesors o ives fixed amous regularly. Each isallme is reaed as a separae purchase ad is subjec o is ow AV based o he dae of ivesme.

3. AV Calculaio ad Applicabiliy

AV plays a criical role i deermiig he price a which muual fud uis are bough or sold. AV is ypically calculaed a he ed of each radig day ad is iflueced by he marke value of he fud’s asses.

Applicabiliy: The AV applicable for purchase depeds o he ime ad dae of he receip of he applicaio alog wih he payme. Applicaios received afer he cu-off ime are processed usig he AV of he ex busiess day.

4. Seleme Process

Oce he purchase rasacio is processed, he seleme ivolves he rasfer of muual fud uis o he ivesor’s accou. The seleme process icludes:

Cofirmaio: Ivesors receive a cofirmaio saeme deailig he uis alloed, AV applied, ad ay charges deduced.

Ui Allome: Muual fud uis are credied o he ivesor’s dema accou if applicable, or held i a accou maaged by he fud house.

AV Allome: The AV a which he uis were purchased is recorded, deermiig he purchase price ad fuure rackig of gais or losses.

5. Regulaory Compliace ad Documeaio

Regulaory guidelies esure rasparecy ad ivesor proecio i muual fud rasacios:

KYC (Kow Your Cusomer): Ivesors mus complee KYC compliace by providig ideiy ad address proofs o iermediaries or fud houses.

Trasacio Cofirmaio: Cofirmaio saemes serve as legal documes verifyig he purchase rasacio deails, icludig AV, uis alloed, ad rasacio charges.

6. Tax Implicaios

Ivesors should also cosider ax implicaios relaed o muual fud purchases:

Capial Gais: Profis eared from sellig muual fud uis are subjec o capial gais ax, caegorized as shor-erm or log-erm based o he holdig period.

Divided Disribuio Tax: Divideds received from muual fuds are subjec o DDT (Divided Disribuio Tax) before disribuio o ivesors.

Coclusio

Udersadig he rules ad procedures for muual fud purchase ad seleme is esseial for ivesors lookig o build a diversified ivesme porfolio. By adherig o cu-off imigs, AV calculaios, ad regulaory compliace, ivesors ca avigae he muual fud marke efficiely ad make iformed ivesme decisios.

This aricle covers he fudameal aspecs of muual fud purchase ad seleme rules, aimed a providig clariy ad guidace for ivesors eerig he muual fud marke.

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