1. Open Alipay APP, and then click Second Finance in the navigation bar below.
2. Find the fund on the wealth management page.
3. Click on the fund to enter its page, and click on the holding fund.
4. Find a fund that depends on the fund's rate of return in the holding fund and click in.
5. Then, click on the net estimate to see how many points you earned that day, but it is worth noting that there will be changes before three o'clock and a fixed value after three o'clock. Basically, how many points you earned that day are very close to the estimated net value of the fund.
(Operating environment: Apple 12 mobile phone, ios 14 system, Alipay version 10.2.3)
What is the calculation method of fund income?
Income share calculation is divided into external deduction method and internal deduction method:
Internal buckle method:
Share = investment amount ×( 1- subscription rate) ÷ net value on the day of subscription+interest.
Income = net unit value on redemption date ××( 1- redemption rate)+dividends-investment amount.
External buckle method:
Share = investment amount ×( 1+ subscription rate) ÷ net value on the day of subscription+interest.
Income = net unit value on redemption date ××( 1- redemption rate)+dividends-investment amount.
Most fund companies use the external deduction method, because the share of the external deduction method will be a little more for the same purchase amount, which is more beneficial to the fund holders.
This method can be used to calculate your daily profit. After purchasing the fund, if you feel that the daily calculation is troublesome, you can use the fund account book of Caidao. Com to manage, you can automatically calculate the daily income and yield. The company's stock is only different from the accounting treatment of listed companies in financial accounting.
What is the principle of fund allocation?
(1) Each fund share enjoys the same distribution right;
(2) The income of the fund in the current year can only be distributed after making up the losses in previous years;
(3) If the fund investment loses money in the current period, no income distribution will be made;
(4) After the distribution of fund income, the net value of fund share cannot be lower than the face value of the fund;
(5) According to the Interim Measures for the Administration of Securities Investment Funds (hereinafter referred to as "Interim Measures"), the fund allocation shall be made at least once a year in cash; The proportion of fund income distribution shall not be less than 90% of the net income of the fund;
(6) A single fund account may not choose two dividend distribution methods for the same fund at the same time; In the dividend reinvestment part, the reinvestment share is determined based on the net value of the fund share on the equity registration date.
What are the sources of fund income?
1. interest income of the fund: the interest income of the fund mainly comes from bank deposits and bonds invested by the fund.
2. Dividend income of the fund: Dividend income of the fund refers to a kind of income that the open-end fund obtains from the company by buying and holding the stocks issued by each company in the primary market or the secondary market. Dividends generally have two forms, namely cash dividends and stock dividends. Cash dividends are paid in cash, and stock dividends are given to shareholders as dividends in a certain proportion.
3. Capital gains of funds: The price of any securities will be affected by the relationship between supply and demand of securities. If a fund can buy securities when the capital supply is abundant and the price is low, but sell securities when the demand for securities is strong and the price rises, the difference is called the fund's capital gain income.