For example, if the net value of the fund unit is 2 yuan, investors will buy 1 1,000 shares at a cost of 2,000 yuan. The next day, the net value of the fund unit fell to 1.08 8 yuan, and the value of the fund held by investors became1.08 yuan, so investors lost 200 yuan. On the other hand, if the net value of the fund unit grows to 2.2 yuan the next day, the value of the fund held by investors will become 2,200 yuan, and investors will benefit from 200 yuan.
If the fund falls after rising for a period of time, and the net unit value after falling does not fall below the net unit value of the fund bought by investors, then investors are losing money today, but in the long run, investors are still profitable, but the total income is reduced.
If the unit net value falls below the investor's net purchase value, and the investor does not want to sell the fund at a loss, he can try to hold the fund for a long time, so that the loss of the fund is only a book loss. When the unit net value of the fund rises again in the later period and exceeds the unit net value when investors buy it, investors can sell it again at this time and make a profit.
Reasons for the decline of unit net value:
1, market fluctuations lead to fund losses. The market is constantly fluctuating, and the net value of the fund naturally rises and falls. If the market is not good, everyone's desire to invest is reduced or they are not optimistic about the investor market, then the fund will be affected by the environment, leading to a decline in net value; If the follow-up market picks up, the net value of the fund will rise again.
2. Poor management of fund managers leads to fund losses. If the fund manager makes mistakes in investment decisions, allocates bad assets to the fund or fails to adjust the position, it will lead to a decline in the net value of the fund. If the fund manager remedies in time, the net value of the follow-up fund will pick up; If the fund manager makes continuous mistakes, resulting in the shrinking of the fund size and the sharp drop of the fund net value, investors need to be cautious, because the fund size is lower than a certain standard, and the fund will be forced to close its position.
In addition to the above two reasons, if the fund pays dividends to investors, the net value of the fund unit will also decline, but the total assets of investors will not change. Because whether it is cash dividend or dividend reinvestment, after the fund pays dividends, the net value of the fund will be deducted from the dividend, so the net value of the fund unit will decline. Fund dividends generally mean that the fund is in good operating condition, the net value of the market outlook is more likely to rise again, and investors are more likely to make profits.