How to treat the location of the fund is also a focus that many people should pay attention to. After all, the location of the fund is directly related to the income of everyone who has purchased the fund. Therefore, Bian Xiao specially arranged how to calculate the fund buying location, hoping to provide some meager help to everyone.

How to calculate the fund buying point?

Funds that are not calculated by points are calculated by net value. Funds don't look at it, look at the net value. The full name is the net value of the fund unit. The net value of fund share is the true value of each fund asset. The net value calculated by the fund company after the market closes every working day and audited by the custodian bank. The net value is the total assets of the fund MINUS all expenses and liabilities divided by the total share of the fund on that day.

1, the fund does not look at it, but looks at the net value. The full name is the net value of the fund unit. The net value of fund share is the true value of each fund asset. It is the net value calculated by the fund company after the market closes every working day and audited by the custodian bank. The net value is the total assets of the fund MINUS all expenses and liabilities divided by the total share of the fund on that day. The net value of a fund unit is the price investors use for trading. Investors buy a fund and observe the rise and fall of the fund's net value, which is the real gain and loss of the fund. For example, if a person buys a fund of 1 0,000, then the net purchase value is 1 yuan. When the net purchase price rises to 2 yuan, he will make a profit of1000 (2-1) =1000 yuan. Fund transaction fees and dividends are not considered here.

2. Fund selection

It is best to choose stock funds and index funds with large fluctuations in unit net value, so as to give full play to the power of fixed investment of funds in a long time. We choose index funds mainly to look at the index. If the index goes well, the fund can make money. If the index does not perform well, the fund will lose money. Index funds are generally divided into two categories, one is generalized index funds, and the other is industry index funds. The broad index basis covers many industries and can roughly reflect the overall situation of a market and economy. The investment of industry index funds is mainly concentrated in a certain industry or field, which reflects the performance of an industry.

Some people say that investment is like gambling. In fact, sometimes investing is just betting on probability. Therefore, we can also understand that investing in large-cap index funds is betting on national luck, investing in industry index funds is betting on the prospects of an industry, and investing in stocks is betting on the future of a company. Generally speaking, the first choice for novice investors is broad-based index funds, because betting on the National Games has the greatest probability of success. Common broad-based index funds in the market include Shanghai and Shenzhen 300 index funds, CSI 500 index funds, SSE 50 index funds and GEM index funds.

When is the fund purchase counted?

When you buy a fund, the net value you see is the net value of the previous trading day. What is the net value of the fund you bought? You won't know until the net value of the fund is updated after the close. That is, when you buy a fund, you actually don't know what the price is.

For purchases made before trading day T ")15 (referred to as" T "), the net value of that day shall prevail (generally, the net value of that day can be checked after the net value is updated after 8 pm); For purchases after trading day 15, the net value of the next trading day (T+ 1) shall be adopted. Specifically, the information confirmed after the fund subscription shall prevail.

Therefore, the purchase or redemption of funds before the trading day 15 is counted as the transaction of the day, which will be confirmed on the next trading day (T+ 1) and the profit and loss will be checked on the next trading day (T+2). Buying or redeeming funds after 15 o'clock on the trading day is counted as a transaction on the next trading day (T+ 1), and it will not be confirmed until the next trading day (T+2), and then the profit and loss can be inquired until the next trading day (T+3).

What is net worth?

Asking this question needs to be clear, which is to measure the net value of the fund's increase. Fund net value, also known as fund unit net value, is the net asset value of each fund unit, and its calculation formula is: fund unit net value = total net assets/fund share.

I see. Then you have to figure out the fund subscription rules here.

The subscription time of the Fund is:

9: 30 am-15: 00 am, and the market is closed at noon11:30-13: 00.

Fund trading time refers to the time period during which open-end funds accept subscription, conversion, redemption or other transactions. The trading hours of funds are the trading hours of stocks, from 9: 30 am to 3: 00 pm every day. Funds that apply for trading during non-trading hours are traded at the closing price of the next day. So when you buy a fund, check whether it is before or after three o'clock. Buying before three o'clock is calculated according to the net value of the day.

After successful subscription, many open-end funds can see the income in their positions on T+2, and t+ 1 confirms the share. Of course, if you buy a QDII fund, you should take a step back at this time, and generally look at the position on t+3. 1, subscription on trading day: the trading time of the fund is 9: 00 am-165438+0: 30 pm, 1: 00-3 pm from Monday to Friday, and it cannot be traded on Saturdays, Sundays and national holidays.

2. Buying at around 3 pm: transactions made before 3 pm, whether high or low, are calculated according to the closing net value of the day. Buying after 3 o'clock is calculated according to the net value of T+ 1. In fact, I don't know what the price is when I buy a fund, and I need to wait for the fund company to announce the net value of the day. Not online yet. Now it is only for Tencent insiders. We won't know until we get out. If it is bought during trading hours (before 3 pm) on the trading day, it should be counted as the same day.

The money on the card has been deducted, indicating that the subscription has been successful. The next day, calculate the income, that is, tomorrow, you have subscribed successfully. Don't worry, there is one exception, that is, from next Monday, you won't enjoy the benefits of Saturday and Sunday. If you buy on the day before you stop buying, you will not enjoy interest during the legal holidays. Calculated by the net value of the fund on the working day of share confirmation.

Judgment of OTC fund trading point

1, partial stock bond fund or index fund: according to P/E ratio PE and P/B ratio PB, we will buy when it is undervalued, underestimate when the percentile is below 30%, and sell when it is overvalued.

2. Partial stock funds buy according to the market trend or the corresponding industry trend. For example, if a fund is in the semiconductor industry, you can look at the index of the semiconductor industry, buy when the industry index is undervalued or plummeting, and sell when it is overvalued or under pressure.

3. Partial debt funds can operate according to changes in currency or stock market. For example, short-term bond funds, when raising interest rates, prices will fall, hoping to buy them after a while; When the stock market is in a bear market, the bond market generally has a good price, and bond funds can be purchased at this time.

4. In the structural market, open positions when the market is adjusted back, and lighten positions when the market runs to a high level. Of course, investors may also wait until the product reaches the expected income before selling it.