Here's the thing. For example, you bought 3,000 funds before, each at 1 yuan. Yes 1. I have a bonus at 5 yuan, 50 points each. If you reinvest in dividends, the 50 cents will not be given to you in cash. It will be automatically converted into shares for you according to the net value on the ex-dividend date (assuming that there is no rise or fall on that day, it will remain at 1 yuan), that is, 1.500 shares. Your account is 3000+ 1500 = 4500.

Then the fund continued to rise from 1 yuan to 1. 8 yuan, you want to redeem it, so your share is 4,500 yuan. You can choose to redeem all or part of it. The redemption rate is 0. 5% calculation. Of course, if you hold it for more than a certain number of years, you may redeem it for free.