There is no clear expected rate of return for net worth wealth management products, and the income is expressed in the form of net worth. The calculation formula of net worth wealth management product income is: annualized rate of return = (current net worth-initial net worth) ÷ initial net worth ÷ product operation days ÷365.

For example, if the initial net value of a net-worth product is set to 1, the current net value is 1.0693, and the product runs for 30 days, the annualized rate of return of the net-worth product is (1.0693-1) ÷1?.

How to calculate the income from converting the unit net value into 10 thousand copies?

Fund today's income = (net value of current trading day-net value of previous trading day) * holding share.

If an investor holds 1 0,000 copies of a fund product, and the unit net value on a t day is 1.0256 and the net value on a t day is 1.0255, then the fund's t-day income is = (1.0256-1.0255.

What's the difference between unit net worth and 10 thousand income?

1, 10000 revenue

Ten thousand proceeds are usually used for money fund products and some bank wealth management products. Generally, the unit net value of such products is fixed at 1, that is, whenever investors buy such products, the net value of the products is calculated at 1. For example, if an investor buys a money fund of 6.5438+0 million yuan, then the fund share he holds will always be 6.5438+0 million. Therefore, the income per 10,000 copies of such products is almost equal to the income per 10,000 yuan.

2. Net unit value

Unit net worth is suitable for net worth wealth management products. The initial net value of net worth wealth management products is generally 1, but the net value of the products will be constantly updated and floating up and down after listing. Therefore, in net worth wealth management products, the income per 10,000 shares is usually not equal to the income per 10,000 shares.

Take the case calculated in the previous article as an example. Although the income of 1 10,000 funds on T Day is 1 yuan, the unit net value of investors when buying the fund is 1.0250, and they bear the subscription fee of 0. 1%, so the subscription cost of 1 10,000 funds is close to 1 000. To sum up, the reference value of calculating 10 thousand income in net worth products is not great.

What are the characteristics of net worth products?

1, with high transparency.

Net worth products regularly disclose product operation announcements, so investors can accurately grasp the investment situation and net worth of net worth products during the investment period, and the product operation is highly transparent.

2. Truly reflect the market value of investment assets.

The investment assets of net worth products are highly liquid and the valuation is more transparent. Under the valuation system of market value method, the net value of net worth products can directly reflect the market value of investment assets.