How to calculate the loss of the fund?

For example, it is now 1.404 net value.

2.5340 Cumulative net value

So a year later, the net worth was 2.404.

6.5340 Cumulative net value

Then the income (excluding dividends) is 2.404- 1.404 = 1.00 times the number of shares held is the income amount.

Plus dividends, the income is 6.5340-2.5340 = 4.00 times the number of shares held, which is the income (including the above net income) (because the accumulated net value is the net value+dividends).

The key point of understanding is to look at the accumulated net worth, because the accumulated net worth is the net worth plus dividends.

The rate of return refers to the dividend of the fund. For example, if you buy a fund at the price of 1 yuan, after three months, the net value of the fund is 1.2 yuan, in which the dividend is 0. 1 yuan, then the yield = [0.1+(1.2-1)].

In fact, it is (cumulative net value-cumulative net value at the time of purchase) × 100%/ cumulative net value at the time of purchase.

Calculation formula of fund fixed investment income:

m=a( 1+x)[- 1+( 1+x)^n]/x

M: Expected income.

A: Fixed investment per period.

X: the first yield

N: fixed investment period (n power in the formula)

Let's give an example.

We set a monthly fixed investment in 500 yuan, with an annual income of 65,438+02% and fixed investment for 20, 25 and 26 years.

M20 is about 480000

M25 ≈ 89 thousand

M26≈ 10 1 million