Fund income is not compound interest every day, but only compound interest caused by changes in net value. If you want to enjoy the maximum compound interest effect, you can choose the dividend reinvestment method when buying funds.

For example, Xiaohe bought a fund of 100 yuan with a net value of 1 yuan. Assuming that the fund rises by 2% on the first day, the cost will become 102 yuan and the net value will become 1.02/ share the next day. If it goes up by 2% the next day, then this 2% is the net value of yesterday 1.

1. Fund compound interest means that investors can convert the existing income of the fund into holding shares, thereby increasing the income of investors. On the one hand, in the process of fixed investment, the planned investment income of the fund is part of the compound interest income, and the interest generated by the principal will be superimposed on the principal, and then continue to generate income; On the other hand, when the share is exchanged by dividend reinvestment, the compound interest effect will occur when the net value of the fund holding the share rises.

Second, the operation skills of fund investment:

1. Observe the fund market before reinvesting. The income of the fund needs to be determined according to the future trend of the relevant fund. For example, if an investor buys a redeemed stock fund, then we can observe whether the future market of the stock is bull market or bear market, and then make a choice according to the specific reality. If it is a bull market, it can be held for a period of time; Conversely, in a bear market, you can also choose to redeem in advance;

2. Switch to other products. Fund investors can reduce the income risk by converting high-risk funds into low-risk fund products;

3. Regular fixed redemption. Fund investors can realize the daily management of holding funds through regular fixed redemption, which is also conducive to smoothing market fluctuations.

Three, the pursuit of fund compound interest matters needing attention:

First, use the band to take profit in time. That is, in the process of investing in funds, once there is a good return and the amount of funds invested is relatively large, we must stop making profits in time, so as to ensure that profits do not stay in the literal sense, or ride a roller coaster until the end is empty.

Second, about the deduction period. At present, most people buy and sell funds on the third platform. Generally, there are several options: daily deduction, weekly deduction, biweekly deduction and monthly deduction. I suggest you just use the weekly button. Of course, some friends have a long investment cycle. For example, if you plan to invest for three to five years, you can choose to deduct monthly.