1. How to calculate the fund bid-ask spread income?
Fund spread income = [fund share * net fund value at the time of sale *( 1- redemption fee)]-subscription amount
Then, for example, Xiaohong buys 5,000 yuan from Fund A, holds 2,000 copies of Fund A, and continues to hold Fund A after dividends. On April 265, 438+0, Xiaohong found that Fund A had risen too much and decided to redeem it. On that day, the net value of the fund was 2.8 yuan (just like buying a fund, Xiaohong didn't know that the net value of the fund was 2.8 yuan when she redeemed it), assuming that the redemption fee of Fund A was 0.
Xiaohong's fund A spread income =[2000 *(2.8 yuan/share) *( 1-0)]-5000 yuan =600 yuan. From February 13 to March 15, Xiao Liu earned 1000 (cash dividend 400, difference 600).
2. How to calculate whether the fund has lost or gained?
The calculation formula of fund income: fund income = dividend income+bid-ask spread income.
Suppose Xiao Huang spends 10000 A on the Double Eleven in 2020, and then redeems it on1October 25th. The net fund value is11,and the net fund value is 165438.
So how to calculate the buying share?
Subscription share = [subscription amount /( 1+ subscription rate)]/subscription net value
Namely: [10000/(1+1.2%)]/1.0000 = 9881.42 copies.
How to calculate dividend income?
Dividend income = shares held * dividends paid per share
Allocate 1 1.0 1 yuan to the fund in 2020. If you choose the cash dividend distribution method.
Namely: 0.01* 9881.42 = 98.85438+0 yuan.
How to calculate the difference income between buying and selling?
Huang Xiao redeemed all Fund A on June 25th, 2020 +065438+.
Redemption amount = redemption share * redemption net value *( 1- redemption rate)
That is: 9881.42 *1* (1-0.5%) =10815.2 yuan.
Price difference income =10815.2-10000 = 815.2 yuan.
So Xiao Huang's money is:
Fund income = dividend income+bid-ask spread income = 98.81+815.2 = 914.05438+0 yuan.