Pay attention to the price when buying a base, including unit net value, cumulative net value, cumulative net value of reinstatement and so on. Simply put, the net unit value is the price at which you buy the fund. On this basis, the cumulative net worth also includes dividends, and the cumulative net worth reinstatement includes the income from dividend reinvestment. If the net value of a unit is 1. 1 yuan, the cumulative net value of the unit is 1.2 yuan, and the cumulative net value of reinstatement is 1.3 yuan. So this foundation pays dividends1.2-1.1= 0.1yuan. If you choose to invest in dividends again, each fund can get additional income1.3-1.2 = 0.1yuan.

Many funds have relatively low stock positions, and some funds have only 2% stocks. It seems that this kind of fund has a small income and a low chance of losing money. That was not the case. Every investment product, whether stock or bond, has its corresponding risks and possible benefits. The low stock position means that its risk in the stock market is relatively low, but it does not mean that its risk in bond investment must be low, which requires an analysis of the fund's bond investment logic and investment targets. There have been many cases of bond default in the past two years, and holding such bonds is very risky even if the stock position is low.