If the annualized rate of return of the fund is 5%, the annual return of 1000 yuan is 1000 yuan x5%=50. For another example, Xiao Li bought a fund last year and invested 10000 yuan. If he redeems this year and can redeem 12000 yuan, then Xiao Li's return on investment is 20%.
The calculation method of annualized rate of return is to convert the current rate of return (daily rate of return, weekly rate of return, monthly rate of return) into annual rate of return, which is a theoretical rate of return, not an actual rate of return. For example, the daily rate of return is one in ten thousand, and the annualized rate of return is 3.65_ (an average of 365 days a year).
The annualized rate of return of the fund = (return on investment/principal)/(investment days /365)× 100%.
Fund annualized income = principal × annualized rate of return
The actual income of the fund = principal × annualized rate of return × investment days /365, which is the ratio of the actual income of an investment in one year.
1000 yuan How much does the fund earn a day?
1, Monetary Fund
Money fund is a small white fund product. In terms of product nature, the money fund does not guarantee the expected return. However, because the money fund mainly invests in stable projects such as bank deposits and bonds, the probability of principal loss is extremely small and the expected income is relatively stable.
But because of this, the expected return of the money fund is also very limited. Taking ICBC cash treasure as an example, the annualized expected return of165438+1October18th is 3.2990% and the expected return of ten thousand copies is 0.6857. In the same period, the 7-day annualized expected return rate of Yu 'ebao is 2.3090%, and the expected return per 10,000 copies is 0.6435 yuan.
The 7-day annualized expected return and 10,000 expected returns of the products of the Monetary Fund change daily. If the data of ICBC (cash treasure)165438+1October 18 is taken as a reference, the expected expected return of the fund 1000 yuan per day is 0.06857 yuan.
2. Bond funds
The expected rate of return and risk of bond funds are slightly higher than that of money funds. The expected income of bond funds is calculated according to the net value of fund purchase and redemption. Without considering the dividend of the fund, the expected return of the fund = unit net value on redemption date ×× ×( 1- 0/-redemption rate)-investment amount.
Suppose that an investor buys a bond fund of 1 1,000 yuan, and the unit net value on the day of purchase is 1, then the fund shares bought are 1 1,000. If the unit net value of the fund rises to 1.000 1 after one working day, the expected return of investors in one day is1000 *1-1000 = 0.1yuan.
The expected return of stock funds, hybrid funds and other products is calculated in a similar way, but the fluctuation of fund net value is greater than that of bond funds, so the expected return and risk of investment are higher.
It should be noted that fund redemption generally requires different redemption rates according to the holding time of the fund. Take Harvest's ultra-short debt fund as an example. The holding time is less than 7 days, and the redemption fee is 1.5%. It is not recommended that the fund products be fast-forward and fast-out.
The above information about how much money the fund earns every day is 1000 yuan. I hope it will help everyone. Warm reminder, financial management is risky and investment needs to be cautious.