First of all, what is the way to carry forward the income of the money fund under the popular science? Simply put, there are two ways to pay you the income. At present, there are two ways, one is "daily settlement carry-over" and the other is "monthly settlement carry-over" (yes, just like the reason that labor costs are similar to monthly payments. O(∩_∩)O)
The non-monetary funds we usually buy (such as stock funds) will update their net value every trading day. For example, the net value of a fund yesterday was1.018 yuan, but today it has dropped by 0. 10%, and its net value has become 1.0 108 yuan. Note that what is reflected here is the rise and fall of the net value, and the fund share you hold will not change!
But money funds are different, because the net value of money funds is always 1 yuan (except net value money funds), so how can the income be given to investors? Well, the money fund carries forward the income to the fund share, so it will eventually be reflected in the increase of the fund share. For example, if you buy a money fund with 654.38+10,000 shares, the share is 654.38+10,000 shares, and the income per day 1 10,000 shares is 0.90 yuan. If you carry it forward by the day, your share will become 65438+ 100009 the next day!
The way to carry forward the income is just how to turn your income into a share, and the time period for you is different.
1. Some investors may be worried about the impact of the two carry-over methods on my fund income. Is it better to carry it forward on a daily basis than on a monthly basis, and the income after compound interest will be slightly better?
In fact, no matter which carry-over method, it does not affect the total assets of the fund in actual operation, but the accounting and bookkeeping methods are different (the increase of share and the distribution of accrued income), so the carry-over method does not affect the total income of the fund on the premise that the investment and operation of the fund are completely consistent.
There is a simple reason. Management fees, custody fees, sales service fees and other fees charged by the Monetary Fund shall be accrued on a daily basis. The more stocks, the more accumulated. The daily carry-over share is increasing every day, and the net assets of the fund are more, but the accrued expenses are also more! Basically, two phases cancel each other out!
2. If I buy a money fund once a month and can't see the daily changes in my account, how can I know what the daily income is?
Well, it's really a matter of psychological experience. Some investors are really relieved to see the changes in their accounts every day (but this is purely psychological). As I said before, there will be no difference in income compared with staring every month! )
If you really want to know the income, just look at the 10 thousand income announced by the fund company every day.
How much is the income of ten thousand copies of knowledge link?
In layman's terms, it is the profit of the day when the investment is 6.5438+0 million yuan. How many money funds do you have on hand? Convert it into a daily income of10,000, and you can roughly know how much money you can earn that day!
3. If I buy a money fund once a month and don't hold it until the end of the month, when can I get the income? Should it be redeemed, or should it wait until the day when people carry over their income?
The situation of each money fund is different!
Some funds, when you redeem, take out the proceeds for you to redeem at one time;
There are also funds that can redeem the existing shares and income as usual, and give them to you later, and then you can redeem the carried-over shares in your account.
In fact, no matter what the carry-over method is, you can rest assured that the operation of Public Offering of Fund is a very professional and standardized operation mode, and the whole process will be subject to very strict supervision, and your income will not be less. So: no matter how it is carried forward, the proceeds are yours! Not a penny less! ! !