Buying before dividends can participate in dividends, but the net value is higher. Buying after dividends does not participate in dividends, but the net value is lower. Both have their own advantages.

Investors can judge whether to buy before dividends or after dividends according to the following conditions:

1. If the stock account does not hold dividends, it is better to buy after dividends. Because it was bought before dividends, it has a short holding time. If it is sold after one month, 20% dividend tax will be charged. If it is held for more than 1 month and sold for less than 1 year, the dividend tax of 10% will be levied. If you hold it for more than 1 year, you won't receive dividend tax. It's better to buy it after paying dividends.

2. If the stock held in the stock account exceeds 1 year, you can buy it before dividends, because it is tax-free if it exceeds 1 year.

3. If the stock held in the stock account is less than 1 year, it is better to buy it after paying dividends.