First, you can't receive dividends. After the fund is sold, you can't receive dividends. Since the fund dividend plan is announced, the securities company will set up a date of record, and only investors who hold fund shares in date of record have the right to participate in the fund dividend. So if your fund has been sold before date of record, then the holder who received the fund bonus in date of record is the one who bought the fund, and you, the original holder, will not receive the bonus. Furthermore, the income recognition methods of fund dividends and bank deposit interest are different. The fund dividend is calculated according to the investment income of the current fund, while the deposit interest is calculated according to the accumulated deposit time, so since the fund has been sold, you have no investment income and cannot participate in the dividend.
Second, the impact of fund dividends Many people want to get dividends from the fund. After all, the fund dividend itself will not generate income. If the original holder of the fund redeems before the dividend, it will not suffer, but the dividend of the fund will also have a certain impact. For example, fund dividends will lead to a decline in the net value of funds. Dividends are the money generated by the total assets of the fund. If you receive the dividend fund, you will cut off a piece of cake and the overall output will become smaller. For another example, if the dividend of the fund is 1.5 yuan, and each share is 0. 1 yuan, if the influence of market fluctuation on the fund on the day of dividend is not considered, then the net value of the fund after dividend is 1.5 yuan minus 0. 1 yuan, that is 1.4 yuan. So if the fund does not sell, it is better not to pay dividends.
Three. Summary Generally speaking, in fact, the fund can't get dividends when it is sold before dividends, but dividends will affect the net value of the fund, resulting in a decrease in the size of the fund and loss of competitiveness in the market.