Dividends of wealth management products are generally related to funds. Suppose: an investor only buys tens of thousands of wealth management products, then the dividend may be several hundred, with little impact. If it is millions, the impact will be even greater, but in general, all he gets is his own money.
It is also worth noting that regular wealth management products can be said not to pay dividends, or they can be said to have dividends. Because some people think that interest is also a dividend, it is ok to look at it this way.
Extended data:
Dividend calculation of wealth management products:
Take the daily dividend of ICBC Easy Smart Wealth Management Products as an example:
E The calculation formula of daily dividend of Tong Ling wealth management products is: 10,000 income × customer share/10000, except for two digits after the decimal point. Because there are several types of wealth management products, there are also many wealth management products under the category of wealth management products, and the dividends between each wealth management product will be somewhat different, so there is no way to say it all in one sentence.
Generally speaking, the details of wealth management products will introduce how the dividends of wealth management products are calculated. After checking, just substitute the numerical value into the formula.
Fund dividends:
1. According to the Interim Measures for the Administration of Securities Investment Funds, after the funds meet certain conditions, they should pay dividends at least once a year. It can be simply understood that fund dividends mean fund profits. Therefore, the fund dividend at least shows that the fund is operating well.
2. Judging from the short-term fund assets held by investors, fund dividends are neutral, with no loss or gain.
Fund dividends are paid from the net value of the fund, such as:
Before dividends, investors held 65,438+0,000 fund shares, and the net value of fund units was 65,438+0.2. Fund assets held by investors = fund share * fund unit net value = 1 0,000 *1.2 =1.2 yuan;
Now, 0.2 of the net fund value is distributed to investors as dividends, so bonus fund = fund share * net dividend value = 1000*0.2=200 yuan;
After the dividend, investors still hold 65,438+0,000 fund shares, but the assets they hold include two parts: the dividend of 200 yuan and the remaining fund assets of 65,438+0,000 yuan (65,438+0,000 * 65,438+0), and the total amount is still 65,438+0.
Therefore, fund dividends are essentially divided into right and left hands, but the dividend assets are moved to the storage position. Regardless of dividends or not, the total assets held by investors are unchanged, so they have neither lost nor earned.
Functions of fund dividends:
1, the role of fund managers
After the fund pays dividends, the net value of the fund will fall in a short time. Many inexperienced investors prefer to buy low-net-worth funds, so dividends will help fund companies sell funds. In addition, fund dividends are also one of the skills of fund managers to lighten and adjust positions.
2. For investors
There are two ways of fund dividend: cash dividend and dividend reinvestment. Cash dividends are distributed to investors in cash, and there is no need to charge redemption fees for this part of the funds. Dividend reinvestment is to convert dividends into fund shares, which do not require subscription fees. Therefore, dividends are also good for investors.