Calculation method of fund redemption amount
Fund redemption refers to the behavior that investors apply to fund companies to sell fund shares through fund companies or securities companies. The amount of fund redemption refers to the total amount of funds obtained by investors selling fund shares. What is the calculation method of fund redemption amount? The following will be introduced from several aspects.
Calculation of fund share
Investors need to know the number of fund shares they hold. Fund share is the smallest trading unit of the fund and the certificate for investors to hold the fund. Fund companies usually provide investors with share confirmation letters or electronic account information, through which investors can know their own fund shares.
Calculation of fund net value
Net fund value refers to the result of dividing the net asset value of the fund by the fund share. The net asset value of a fund refers to the total assets of the fund minus the total liabilities of the fund. The calculation cycle of fund net value is usually the closing time of each working day.
Calculation of Fund Redemption Amount
The total amount of funds obtained by investors through redemption of fund shares can be calculated by the following formula:
Fund redemption amount = number of fund shares × fund net value
For example, if an investor holds 1000 shares of a fund and the net value of the fund is 2 yuan/share, the redemption amount of the fund is:
1000× 2 yuan/copy =2000 yuan.
It should be noted that a certain percentage of fees and taxes are usually deducted from the redemption amount of the fund. The specific proportion of handling fees and taxes depends on the regulations of fund companies and exchanges.
Redemption time
The timing of fund redemption is very important for earning investment income. Generally speaking, investors should redeem the fund when its net value rises, so as to obtain higher returns. If the net value of the fund falls, you can choose not to redeem it temporarily, and then redeem it when the net value rises.
Matters needing attention
Investors need to be reminded of the following matters:
1. When redeeming the fund, you should read the fund contract, fund announcement and other relevant documents carefully to understand the redemption method, redemption fee, redemption date and other information.
2. Try to redeem the fund at the opening of the trading day, so as not to miss the net value of the fund on that day.
3. Pay attention to tax issues when redeeming funds. For example, the redemption of stock funds requires stamp duty.
4. According to your own risk tolerance and investment objectives, reasonably choose the fund type and investment strategy to avoid blindly following the trend or opportunistic.
The calculation method of fund redemption amount includes the calculation of fund share, fund net value and redemption amount. Investors should pay attention to the timing of redemption, fees and taxes, fund types and investment strategies in order to obtain higher return on investment.