Cash dividend is to distribute part of the income to fund investors in cash. For example, an investor owns 20,000 shares of a fund represented by ICBC, and now the fund pays 0.50 yuan for each 10 share. If the investor chooses cash dividend, the dividend of RMB 65,438+0,000 will be directly credited to the investor's bank account. Dividend reinvestment is to reinvest the cash from dividends in the fund, which can not only avoid the subscription cost of reinvestment, but also enjoy the compound interest growth effect of fund investment appreciation. Therefore, from the perspective of the yield of long-term investment, choosing dividend reinvestment can obtain greater income expectations.

Fund split refers to a way to change the net value and total amount of fund shares and recalculate fund assets on the premise of keeping the total assets of fund investors unchanged. If an investor owns 65438+ 100000 funds with a net value of 2.60 yuan, then his total fund assets are 26000 yuan. If the fund is split according to the ratio of 1:2.6, and the net value of the fund share becomes 1 yuan, then his share will become 2600 from 1 000, and the total assets of the fund will still be 26000 yuan.

Fund splitting and fund dividends are both ways of income distribution. The same point is to reduce the net value and let investors buy funds at a relatively "cheap" price. The difference is that compared with fund dividends, fund splitting does not need to sell stocks that are still optimistic, and benefits from dividends to investors, which has little impact on fund investment and has no adverse impact on investors' rights and interests.

Investors can choose according to the trend of the market: when the market is in the process of falling, funds with a large dividend ratio are safer. When the market is in the rising stage, the subsequent upward momentum of the spin-off fund is more secure.

Haha, I suggest you go to some fund websites and learn more.

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