The basic concept of fund redemption fund redemption refers to the behavior of investors selling their fund shares to fund companies in order to obtain fund income or principal. Investors should pay attention when redeeming funds. Fund companies usually charge a certain redemption fee, so they need to know the relevant fees before redeeming.
Fund redemption also needs to consider the net value of the fund. Fund net value refers to the actual value of fund shares calculated by fund companies according to certain formulas, and the calculation methods of net value of different types of funds are slightly different. In fund redemption, investors need to calculate their redemption amount according to the net value of the fund.
How to calculate the fund redemption amount The calculation method of the fund redemption amount depends on the calculation method of the fund net value. The following is an example of an equity fund:
Net value of equity funds = net asset value of funds/total number of fund shares.
Fund redemption amount = number of redemption shares × fund net value-redemption fee
For example, the net value of a stock fund is 1.5 yuan, and investors hold 1 000 shares of the fund and want to redeem them all. Redemption fee 10 yuan. The calculation formula is:
Fund redemption amount =1000×1.5 yuan-10 yuan = 1490 yuan.
It should be noted that the net value of the fund will fluctuate with the change of the market, and investors need to choose the right time to get more income when redeeming the fund.
How to avoid the risk of fund redemption Fund redemption also has certain risks, mainly including market risk and liquidity risk. Market risk refers to the reduction of the net value of fund shares during redemption, which leads to the loss of investors during redemption. Liquidity risk refers to the failure of fund companies to meet the redemption needs of investors in time when faced with a large number of redemption applications.
In order to avoid the risk of fund redemption, investors need to pay attention to the following points:
1. Choose appropriate fund types and investment strategies to reduce market risks.
2. Reasonable diversification of investment to reduce the risk of a single fund.
3. Understand the strength and operation of fund companies and avoid choosing funds with poor liquidity.
4. Choose the appropriate redemption time according to your own capital needs and investment objectives.
Fund redemption is an important part of fund investment. Investors need to pay attention to fund net value, redemption fee and other related issues when redeeming funds, and also need to pay attention to avoiding fund redemption risks.