2, the rate of return calculation method is different:
Fund return rate: The most important indicator to measure the fund return rate is the fund investment return rate, that is, the ratio of the actual return of fund securities investment to the investment cost.
Cumulative rate of return refers to the cumulative income of the fund since its establishment and operation, including cash dividend income and fund net value change income, which can measure the income of the fund since its establishment.
3. The scope of funds included is different: the holding income is the share currently held by a single fund; Cumulative income includes all funds (including redemption funds).
Extended data:
Fund income includes:
1. Dividend: the income of the fund from the distribution of the company's net profit due to the purchase of the company's shares. Generally speaking, there are two forms of dividend distribution to shareholders: cash dividend and stock dividend.
As a long-term investor, the main goal of the fund is to obtain long-term stable returns for investors, and dividends are an important part of the fund's income. The dividend of the invested stock is an important criterion for the fund manager to choose the portfolio.
2. Dividend: refers to the income of the fund from distributing the company's net profit due to the purchase of the company's preferred shares. Dividends are usually agreed in advance according to a certain proportion of fund income, which is the main difference between dividends and bonuses.
Like dividends, dividends also constitute an important part of investors' income, and the level of dividends is also an important criterion for fund managers to choose investment portfolios.
3. Bond interest: refers to the interest that the fund assets get on a regular basis because they invest in different types of bonds (government bonds, local government bonds, corporate bonds, financial bonds, etc.). ).
China's "Interim Measures for the Management of Securities Investment Funds" stipulates that the proportion of funds investing in government bonds shall not be less than 20% of the fund's net asset value. Therefore, bond interest is also an indispensable part of investment return.
4. The price difference between buying and selling securities: refers to the price difference income formed by the investment of fund assets in securities, which is also commonly called capital gains.
5. Deposit interest: refers to the bank deposit interest income of fund assets. This part of the income only accounts for a small part of the fund's income. Because open-end funds must be ready to pay the fund holders' redemption applications at any time, they must keep some cash in the bank.
6. Other income: refers to the cost or expense saved by the use of fund assets, such as miscellaneous income obtained by the fund from securities companies due to large-value transactions. This part of the income is usually very small.
Precautions for purchasing funds:
First, both old and new funds should be treated with caution. Everyone's consistent habit is to buy old funds. It is also a fact that the old funds are relatively stable in all aspects, but it does not mean that the new funds must be backward in development and lack of experience, so we should examine them from various aspects.
It is also a good choice to combine the characteristics of new and old funds to purchase, or to form a reasonable fund portfolio with new and old funds.
Second, remember that intraday trading will lower the income. Bian Xiao believes that band operation is only suitable for financial professionals who lend money, but not for those of us who have almost no lending experience. Moreover, the purchase and redemption of the fund amount requires a certain fee, and it is unnecessary to spend this money, which will also reduce the income, so try to minimize such operations.
Third, analyze the performance of the fund from its long-term performance. If the lender wants to choose a fund with better performance, it can be analyzed from the long-term performance of the fund. The more stable this historical performance is, the better.
Fourth, the level of net assets cannot be used as an opportunity for admission. Some lenders have the illusion that the lower the net worth, the greater the room for growth, which is not the case. The judgment should be measured in combination with the current market situation, the strength of the fund company, the ability of the fund manager and other aspects, not only from this aspect.
References:
Baidu encyclopedia-position yield
References:
Baidu Encyclopedia-Fund Return Rate
References:
Baidu encyclopedia-ant wealth
References:
Baidu Encyclopedia-Fund Income