The maximum withdrawal amount of the fund refers to the fluctuation range of the net value of the fund between the highest point and the lowest point in a period of time. In other words, suppose that investors are unfortunate enough to buy at the highest point, what is the biggest loss? Therefore, the smaller the retracement data, it shows that fund managers can respond to market changes in time and have strong risk control ability. Assuming that the retracement data is too large and may fluctuate greatly, then the risk and income are in direct proportion.

The maximum withdrawal amount of the fund does not need to be calculated by the investors themselves, but can be viewed on the website of the fund company official website or a third-party institution. When choosing a fund, you can't just choose according to the maximum withdrawal amount of the fund, because the maximum withdrawal amount can only explain the anti-risk ability, but not the profitability.

First, how to calculate the maximum withdrawal rate of the fund?

Maximum withdrawal rate = 1- minimum net value/maximum net value * 100%. For example, suppose the net value of the fund was 2 yuan when we bought it, and the lowest net value of the fund in the last year was 1.6 yuan, then we can get the highest withdrawal rate of the fund by substituting it into the formula.

Second, the maximum withdrawal rate refers to the maximum decline in the expected rate of return of the fund within a period of time, and can also be simply understood as the maximum decline that may occur after purchasing the fund.

Third, is the maximum withdrawal amount accurate?

1 The maximum withdrawal of the fund refers to the maximum decline of the fund within a certain period of time. From the maximum withdrawal amount of the fund, we can see the biggest loss of investors after purchasing the fund. The net value of the fund is calculated daily, so the maximum retracement is something that really exists in the trend, so it is accurate.

2. The initial net fund value is 65,438+0 yuan, and the fund trend will increase or decrease after issuance. For example, when the net value is 1 yuan, the net value will become 2.04 yuan, and the rise and fall will be calculated on the basis of 2.04 yuan the next day, so the maximum retracement is true and cannot be faked.

For most investors, the smaller the maximum retracement, the better. The smaller the maximum retracement, the stronger the fund's ability to resist risks, and investors will not suffer huge losses after buying. However, although some funds have retreated a lot, they can recover the decline quickly after retreating, which also shows that the management ability of fund managers is excellent.