The expected return of fund investment can be simply understood as the difference between the subscription cost of the fund and the redemption amount of the fund. Except for the money fund, the expected return of most fund products is calculated according to the net value of the fund. So how to calculate the expected return of fund redemption, and whether the expected return on the redemption date is included?

1. How to calculate the expected return of fund redemption?

The formula for calculating the expected return of the fund is: expected return of the fund = redemption share of unit net value on redemption date (1- redemption rate)-investment amount.

1. Net unit value on redemption date.

The "current day" in the unit net value of the redemption date is T day, which only refers to before 15:00 on the trading day. Weekends and legal holidays are non-trading days, and those exceeding 15:00 are also counted as the next trading day.

For example:

Apply for redemption of the Fund before1Friday, October 22nd/15: 00, and the net redemption value is calculated according to the net value of165438+1Friday, October 22nd;

Apply for redemption of the Fund after1Friday, October 22nd15: 00. The net redemption value is calculated according to the net value of165438+1Monday, October 25th.

2. Redemption of shares

Fund redemption share refers to the number of funds held by investors. Fund redemption is based on the principle that the price is unknown, that is, investors cannot know the unit net value of the redemption date in advance, so when submitting the fund for sale, they choose to sell the fund share instead of the redemption amount.

3. Redemption rate

The collection standard of fund redemption rate generally depends on the number of days the fund is held. If Public Offering of Fund holds it for less than 7 days, the redemption rate at the time of sale shall not be less than 1.5%. If the redemption rate reaches or exceeds 7 days, different funds have different regulations. For details, please refer to the "Selling Rate" in the fund information.

2. Is the expected return on the redemption date counted?

It includes the expected income on the day of fund redemption, that is, the fund is redeemed on T day, and the fund profit and loss are calculated on T day.

For example:

1Friday, October 22nd 1 15: 00 to apply for redemption of the fund, 165438+ confirm the redemption share on Monday,1Friday, October 22nd 165438 The expected income will also be displayed next Monday;

1Friday, October 22nd11apply to redeem the fund after 5: 00,1Tuesday, October 26th 165438+ confirm the redemption share, and show the expected income of1Friday, October 22nd next Monday.

The above contents about how to calculate the expected return of fund redemption hope to be helpful to everyone. Warm reminder, financial management is risky and investment needs to be cautious.