Total assets refer to the total assets of the fund, including stocks, bonds, bank deposits and other securities. The formula for calculating the cumulative net value of fund units: cumulative net value of fund units = net value of fund units+cumulative dividends. When buying a fund, you should know how the system determines the share. For example, if a user buys a fund before the trading day 15, the share will be calculated according to the net value of the fund on the trading day; If it is bought after 15, the share will be calculated according to the net value of the next fund trading day, so investment funds should pay attention to this time node. When choosing a fund for daily investment, we must have a comprehensive understanding of it, including fund managers, fund dividends over the years, fund buying or selling rates, etc. It is worth noting that the ability of fund managers is of special concern to users, because a good fund manager can make the fund grow continuously and get more benefits. Users should have fund knowledge when investing in funds, such as understanding the classification of funds and the risks faced by different types of funds after investment. It is best to use personal spare money for investment funds to avoid redemption with urgent money after investment. Net worth funds are generally greatly influenced by the stock market. At this time, investment funds must pay attention to the changes in the stock market. Usually, when the stock market is on the rise, investment funds can get more income. If the stock market is in a downward trend, it is easy to lose money by investing in stocks.