Equity funds, also known as equity funds, refer to funds that invest in the stock market. There are many kinds of securities funds, so do you know what skills fund investment has? The following is the calculation method of fund income brought by Bian Xiao for your reference. Let's have a look!
Calculation method of fund income
There are two main methods to calculate fund income: cumulative net value method and unit net value method. Fund companies usually adopt one or two methods according to laws and regulations and fund contracts.
Cumulative net value method: the fund income is calculated according to the cumulative net value method, which is the net value of each share obtained by subtracting the total cost from the total assets of the fund and dividing it by the total share of the fund. Fund investment income will be reflected in the accumulated net value of the fund. Under the cumulative net value method, investors' income is reflected by the increase of fund unit net value.
Unit net value method: the fund income is calculated according to the unit net value method, that is, the net value of each unit is obtained by subtracting the expenses of the day from the assets of the fund on each trading day and dividing it by the total share of the fund on that day. Fund investment income will be reflected in the change of unit net value in each trading day. Under the unit net value method, investors' income is calculated by the rise and fall of unit net value.
How should the fund operate?
Asset allocation and investment: according to the investment strategy of the fund, the fund management company makes asset allocation and investment decision, and selects the appropriate investment target. Different types of foundations have different investment directions and proportions.
Risk control and risk management: the fund management company will control and manage the risks of the fund, including building a risk management system, formulating risk control measures, and evaluating and controlling investment risks.
Market monitoring and research: fund management companies will pay close attention to market dynamics and conduct market monitoring and research to provide effective information and decision-making basis for fund investment.
Operation and sales: Fund management companies are responsible for the daily operation and management of funds, including fund accounting, settlement and reporting, as well as fund sales and promotion.
Customer service and investor education: Fund management companies will provide customer service, answer investors' questions and needs, carry out investor education activities, and enhance investors' investment knowledge and risk awareness.
What are the misunderstandings of fund purchase?
Blindly buying with the wind: listening to the hype and recommendation of others or the media, blindly chasing up and down, without sufficient research and analysis.
Short-term speculative mentality: expect to get high returns immediately through short-term investment, ignoring the long-term and volatility of fund investment.
Ignoring risk assessment: not fully understanding the investment strategy, risk level and past performance of the fund, blindly entering high-risk funds.
Over-concentration of investment: most of the funds are invested in a certain fund or a certain fund type, and there is not enough asset diversification, which increases the risk.
Misunderstanding of long-term holding: I mistakenly think that long-term holding will definitely get stable and high returns, ignoring the risks of capital and market fluctuations.
Is there any immediate income after the fund is bought?
What needs to be clear is that after the fund is bought, it does not mean that there will be income immediately. The income of the fund is related to the holding period, market environment and investment strategy of the fund. Fund prices will fluctuate with the market and may face profit and loss. Fund investment is a long-term investment, and investors need to be patient and rational and pay attention to the long-term return of investment.
Investors should treat the risks and benefits of funds rationally and make reasonable investment plans according to their personal financial situation, risk tolerance and investment objectives. At the same time, regularly monitor and evaluate the investment portfolio, and make corresponding adjustments according to market conditions and personal needs.
Fund investment skills
Fund investment skills 1: try to hold it for a long time. Investing in open-end funds, like investing in closed-end funds, indirectly bears operating expenses such as fund management fees, as well as subscription fees and redemption fees. The investment cost is higher than that of A shares and closed-end funds, and frequent purchase and redemption will inevitably increase the "shrinkage" of income.
Fund investment skill 2: Redeem decisively when redeeming. Open-end fund holders should not put it on the shelf, especially when the stock market changes greatly. If the net value of the purchased fund rises and falls greatly, you can also grasp the trend characteristics and do band operation like stock trading to increase the overall investment income.
Fund investment skill 3: adopt fund conversion to avoid risks. Fund conversion means that investors convert their open-end funds into other open-end funds under the same fund management company. The biggest difference between it and repurchase after redemption is that it can be converted in time and can save fees.
Tip 4 of fund investment: avoid "conformity". Some investors see newspaper recommendations and TV publicity, and everyone is buying them, so no matter which company, type and rate, they blindly follow suit and finally make themselves riding a tiger.