Fund dividends are divided into cash dividends and dividend reinvestment. Cash dividends are distributed to investors in cash. Dividend reinvestment refers to the continued purchase of funds from the fund. Dividend reinvestment will increase the share of investors. The default dividend method is cash dividend.
(1) Dividend is to reduce the net value of the unit and give you settlement money. Actually, it's still your own money.
For example, if there are 65,438+00,000 shares, every 65,438+00 shares will get 65,438+00 yuan, which is equivalent to 65,438+0 gross of each fund. Assuming that the net unit value is 65,438+0.65,438+00 yuan without dividends, the net unit value becomes 65,438+0.00 yuan after dividends.
The market value before dividends is10000 *1.10 =11000 yuan.
Market value after dividends: 10000 * 1.00= 10000 yuan.
The dividend is 1000 yuan.
The total property is the market value after dividends 10000 yuan+1000 yuan = 1 1000 yuan.
In fact, your dividend is still your money. Maybe you will ask, since the dividends are almost the same, why should we pay dividends? What's the point? In fact, there is still a small difference. When dividends fall, risks are usually reduced.
(2) Fund dividend conditions
If you want to know whose money the fund shares, I'll tell you about the conditions for the fund to share dividends first.
1. The fund can only pay dividends after the current year's income makes up for the previous year's losses.
2. After the distribution of fund income, the unit net value cannot be lower than the face value. That is 1 yuan.
3. The net loss of fund investment in the current period cannot be distributed.
(3) the essence of fund dividends
The essence of fund dividend is to put the money in our left pocket into our right pocket, and the total value of the fund has not changed.
For example, suppose you hold a fund 1 000 shares, and now the net value of the fund is 2 yuan, so your total assets value is 2000 yuan. At this time, the fund company announced dividends, and each dividend went to 0.2 yuan.
Before dividends: the total value of the fund you hold is 2,000 yuan;
After dividends: Your net fund value will be changed from 2 yuan to 1.8 yuan (2 yuan -0.2 yuan). Therefore, the value of the funds currently held is 65,438+0.8× 65,438+0,000 shares = 65,438+0.800 yuan, plus the dividend 200 yuan (65,438+0,000 shares × 0.2 yuan/share), the total asset value at the end of the period is still 2,000 yuan.
So we can see that the fund dividend is actually just our own money.