Fund redemption refers to the behavior of investors holding fund shares for a period of time and then selling them to fund companies or other investors. Fund companies will calculate the amount of fund redemption according to certain rules, and investors also need to know some basic calculation methods.
First, we need to know some basic terms. Net fund value refers to the value of each fund calculated by the fund company according to the assets and liabilities of the fund. When investors want to redeem the fund, they need to check the net value of the fund first and confirm the redemption amount. In addition, the fund dividend refers to a part of the income paid by the fund company to investors according to the fund income. Dividends are calculated according to the net value of each fund.
Next, let's look at the calculation method of fund redemption. Suppose investors buy 1 000 funds, with the net value of each fund being 1 yuan and the total cost being 1 000 yuan. After a period of time, investors will redeem 500 funds, each with a net value of 1.2 yuan. So, how much should investors redeem?
According to the calculation formula of fund redemption, redemption amount = redemption share x net value of each fund-redemption fee. The redemption fee is the handling fee charged by the fund company, which is generally between 0.5% and 2%. Assuming that the redemption fee charged by the fund company is 1%, the amount for investors to redeem 500 funds should be:
Redemption amount =500x 1.2 yuan -500x 1.2 yuan x 1%=594 yuan.
If the fund company does not charge a redemption fee, then the amount redeemed by investors should be:
Redemption amount =500x 1.2 yuan =600 yuan.
It should be noted that the redemption amount may be affected by the fund dividend. If the fund company pays dividends during the investor's holding of the fund, the amount redeemed by the investor shall be:
Redemption amount = (redemption share x net value of each fund-redemption fee)+dividend amount.
Assuming that the fund company pays dividends during the investor's holding of funds, and the dividend amount of each fund is 0. 1 yuan, the amount for investors to redeem 500 funds shall be:
Redemption amount =(500x 1.2 yuan -500x 1.2 yuan x 1%)+500x0. 1 yuan =644 yuan.
Finally, let's look at the calculation method of fund selling. Fund sales refer to the behavior that investors sell their fund shares to other investors. The calculation method of selling is similar to redemption, except that selling does not involve the handling fee and dividend of the fund company. Suppose investors want to sell 500 funds, and the net value of each fund is 1.2 yuan, then the amount sold by investors should be:
Selling amount = selling share x net value of each fund =500x 1.2 yuan =600 yuan.
To sum up, the calculation method of fund redemption and sale is relatively simple. Investors only need to know the basic concepts such as fund net value, redemption fee, dividend, etc., so they can calculate the redemption and selling amount more accurately. Of course, investors need to consider other factors when making decisions, such as market conditions and investment strategies of fund managers.