Compared with stock funds and hybrid funds, money fund is a very simple fund with low risk and expected annualized income, which provides an optional field for investors who pursue stability. So what is the money fund dividend method? How does the money fund calculate the expected annualized expected return?

What is the method of money fund dividend?

The money market is different from other funds, and there is only one way to pay dividends-dividend to investment.

Each money market fund is always maintained at 1 yuan, and the net value of the money fund is always 1 yuan, and the expected annualized expected return of the fund on that day is announced. The expected annualized expected return after exceeding 1 yuan will be automatically converted into fund shares on time, and how many fund shares you have means how many assets you have, which is very simple and clear. While other open-end funds have a fixed share and accumulated unit net value, investors can only rely on the annual dividend of the fund to realize the expected annualized expected return. It is precisely because the unit net value of money market funds remains unchanged at 1 yuan, so when the time is ripe in the future, money market funds can derive "currency-like" functions such as transfer, direct consumption and cheque issuance.

The fund manager calculates the expected annualized expected return of the account for investors according to the net expected annualized expected return of the fund share on that day, and counts it into the current cumulative expected annualized expected return of his account. Fixed once a month, the cumulative expected annualized expected income of the investor account will be carried forward to the fund share and added to the fund share of the investor account. Pay dividends every month and compound interest every day.

The monetary fund calculates the expected annualized expected income every day and carries it over to the corresponding share at the end of the month. Because there is no handling fee for the subscription/redemption of money funds, there is no difference between cash and reinvestment.

Money market funds are a good substitute for demand deposits of commercial and other deposit institutions. The daily interest calculation method is adopted, and the average historical expected annualized rate of return for 7 days is usually published to calculate the accumulated interest of investors during the investment period. The accumulated interest will be credited to the account of fund investors on a monthly basis in the form of monthly dividends, so that the expected annualized expected return of investors will be "safe" on a regular basis.

If it is less than one month, or less than the expected annualized expected return carry-over date, then the expected annualized expected return is called "unexpired expected annualized expected return". If it is redeemed, the expected annualized expected income that has not been redeemed will be redeemed together, that is, as you said, the expected annualized expected income will be held for a few days. For example, although you redeemed 10000 copies, you will get more money than 10000.

How does the money fund calculate the expected annualized expected return? When will the money fund pay dividends?

Fund dividend means that the fund distributes a part of the expected annualized expected income to investors in cash, which is originally a part of the net value of the fund unit. According to the Interim Measures for the Administration of Securities Investment Funds, fund management companies must distribute more than 90% of the net expected annualized expected return of funds in cash at least once a year.

Dividends are not as much as possible. Investors should choose a dividend distribution method that suits their own needs. Fund dividend is not the biggest standard to measure fund performance. The biggest criterion to measure the fund's performance is the growth of the fund's net value, and dividends are just the cash for the growth of the fund's net value.

The carry-over date of the monthly bonus of the Monetary Fund is the first working day of the following month, and the confirmation date is the second working day. If an investor buys this fund on 1 day of the current month and redeems it on the last day of the current month (such as 26th), the customer can enjoy the bonus of the current month.

Investors can calculate the daily expected annualized expected return according to the expected annualized expected return per 10,000 copies newly published on the fund company's website every day and add them up. If you need the exact expected annualized expected return data, you can check it on the fund company's website.

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