The formula for calculating fund income is as follows:
Fund income = fund share sold × (net confirmed value when selling funds-net confirmed value when buying funds)-redemption fee for selling funds. For example, investors sell 1 10,000 funds, the net confirmed value when buying funds is 1 yuan, the net confirmed value when selling funds is 1.5 yuan, and the redemption rate is1. Then the income of investors from selling this fund =1000× (1.5-1)-1000×1.5×1.5% = 27.5 yuan.
After selling the fund, investors may continue to lose money because of the following circumstances:
Fund redemption follows the principle of unknown price. If an investor redeems the Fund after the trading day of the Fund 15: 00, the income shall be calculated according to the net value announced in the evening of the next trading day. When the fund falls, that is, the net value of the fund in the next trading day is lower than the net value on the redemption date, the investor's income may be lower than the income shown at the redemption, that is, the investor will continue to lose money after redeeming the fund, and vice versa. When investors purchase and the fund rises, that is, the net value of the fund on the next trading day is higher than the net value on the redemption day, the income caused by investors may be higher than the income shown at the redemption, that is, investors still have income after redeeming the fund.
In addition, when investors sell funds, they may delay collecting fees. Seeing the loss income of the fund on the second trading day after selling will also make investors think that they are still losing money after selling the fund.