1: Since it was bought through online banking, it is certain that it is not a fund traded in the secondary market, and there is no so-called closing price problem.
Generally, open-end funds are invisible in securities software. Only closed-end funds, LOF funds and ETF funds can display the price, including the closing price, but the transaction price is mainly determined by the relationship between supply and demand.
LOF funds and ETF funds are also open-end funds, but they are traded in the secondary market. Simply put, if a fund (all or part of its shares) can't be traded in the secondary market like a stock, then it can't be seen in the stock software. And what the software sees above is the transaction price, not the real net value.
The average open-end fund can only publish its daily net value, because it is a portfolio, which is different from stocks.
The stock always depends on the change of market price, while the open-end fund has only one net value every day, which is accounted by the fund company and published through the fund company official website and professional fund websites every day.
2。 When purchasing a fund, you have to pay a certain subscription fee (back-end charging mode and monetary fund, except for funds that charge sales service fees).
I don't know what your fund subscription rate is, but according to what you said, it's less than 300 yuan. It is estimated that your rate is at least 1.0%, or even 1.2 or 1.5. In today's fierce fund competition, your handling fee rate is relatively high.
After 2007, according to the regulations of the China Securities Regulatory Commission, the fund subscription adopts external deduction.
The handling fee is calculated by deduction method, assuming that the rate is 1.0%.
Handling fee = 30,000-30,000 yuan /( 1+ 1.0%)=297.03 yuan,
In other words, you only have about 29,700 yuan to buy a fund. If you want to protect your capital, you must make a profit of at least 2%. Because redemption may still have to pay a handling fee, the redemption fee will decrease according to the holding time, and generally it will be exempted for more than two years.
Typing is not easy. I hope it helps. I hope it can be adopted.