Everyone who buys a fund has two ultimate questions. Although, there is no accurate answer to such a question, because the future is difficult to predict; However, we can have a general expectation because the market fluctuates back and forth every week. The following is how long the funds compiled by Bian Xiao can make money, for reference only, hoping to help everyone.
How long can the fund make money after buying it?
Unless otherwise specified, the following calculations are based on the Wind Fund Index.
The amount of funds is huge, so it is neither realistic nor necessary to calculate them one by one. Since the stock market index is based on individual stocks, the fund index can be used as a yardstick for fund returns.
Wind fund index includes all funds established for more than three months, and the daily price of the index is calculated according to the daily income of each fund and other weights.
1. Cargo base: If you only hold 10 days, you may lose money.
There are roughly three kinds of funds that people often buy: money funds, bond funds and stock funds.
Let's look at the money fund first.
We take the Wind Monetary Fund Index, which represents the average income level of the monetary fund, as the measurement object.
From March 26th, 2004 to August 30th, 20 19, starting from any day-
Historically, the profit probability of holding the money fund for five days is 97.09%.
The profit probability of holding 10 day is 99.7%.
The profit probability of holding for more than 1 month is 100%.
Source: Wind, run by Xiaoji.
Data calculation interval: 2004/3/26-2019/8/31
Note: The above calculation of profit probability is based on historical data, for reference only, and not as a promise of income.
In fact, in history, some money funds did experience "negative returns" on individual trading days (interested partners can search for relevant cases), so it cannot be said that money funds are making money every day.
What is the rate of return of the money fund?
For the convenience of comparison, we annualized the yield of each period.
The average annualized rate of return of holding money funds is relatively stable, ranging from 2.7% to 2.9%.
With the extension of holding time, the fluctuation of yield gradually decreases and converges to the average value.
How much can I earn by buying a fund at eleven thousand a month?
On the one hand, fund income refers to the income obtained by fund management companies from operating fund assets. This kind of income mainly comes from interest income, dividend income, capital gains, capital appreciation and so on. After deducting the fund's operating expenses (including administrator's expenses and custodian's expenses), the rest of these proceeds will be used for the distribution of fund securities. On the other hand, it refers to the income obtained by fund holders from investing in fund securities. It mainly comes from the distribution of fund income and the bid-ask price difference of fund securities. Bonus is the income that the fund enjoys from the distribution of the company's net profit due to the purchase of the company's shares.
Generally speaking, there are two forms of dividend distribution to shareholders: cash dividend and stock dividend. As a long-term investor, the main goal of the fund is to obtain long-term stable returns for investors, and dividends are an important part of the fund's income. The dividend of the invested stock is an important criterion for the fund manager to choose the portfolio. Dividend refers to the income that the fund enjoys from the distribution of the company's net profit due to the purchase of the company's preferred shares. Dividends are usually agreed in advance according to a certain proportion, which is the main difference between dividends and bonuses. Like dividends, dividends are also an important part of investors' returns. Dividends are also an important criterion for fund managers to choose their portfolios.
How much can a fixed investment fund earn after one year?
The fixed investment of the fund is 2000 yuan per month, and the annual principal is 2000_ 12=24000 yuan. However, investment funds have certain risks, and there may not be 24,000 yuan in all seasons. If you invest in money funds and bond funds, the principal and income will be above 24,000, but it will not reach 25,000. If the annualized rate of return of buying money funds is 4%, then the monthly income is 4%/ 12=0.33%, then open the FV function of excel and fill in the interest rate: 0.33% respectively; Total payment periods:12; Regular payment: 2000; The calculation result is 24440.3. That is, if the annualized rate of return of the money fund is 4%, it will be fixed at 2,000 yuan per month and 24,440.3 yuan after one year.
Of course, it should be mentioned here that the 7-day annualized rate of return of the money fund is the income after the annualized results of the past 7 days, which does not represent the future income and has certain volatility. The income mainly follows the market risk-free interest rate, so the specific amount after one year depends on the specific income of the money fund. Similarly, investing in bond funds is the same, its income is relatively better than that of money funds, which can be around 5%, but its relative risk is also greater than that of money funds. If you calculate by 5%, you can calculate how much money you will have in one year according to the above method. However, if you invest in hybrid funds and equity funds (including index funds), then you can't forget it. The main investment targets of hybrid funds and equity funds are stocks, which are highly volatile and risky, and it is impossible to estimate whether they are profitable or losing. For example, if 20 15 is close to a high point or a high point to buy, then the principal of 24,000 yuan may become 1.2 million yuan after one year of fixed investment in the fund; If you buy the B share in the graded fund, you may not even have 10,000. In short, the fund belongs to the investment of equity assets, which can not guarantee the income, nor can it accurately calculate how much money the fund will have after one year of fixed investment.