1. Net value at the time of fund subscription: When calculating profit and loss, we need to know the net value at the time of fund subscription and the net value at the time of sale to calculate the change of fund net value, which directly affects the profit and loss of the fund. If the net value of the fund at the time of subscription is 1 yuan/share and the net value at the time of sale is 0.9 yuan/share, the change of the net value of each share is 0. 1 yuan.
2. Handling fees and management fees: There may be handling fees and management fees in the transaction. These expenses need to be considered in calculating the actual profit and loss. For example, the transaction costs and management fees generated by selling are calculated according to 20 yuan, that is, 0.02 yuan per share (20/ 1000=0.02 yuan), then the actual profit and loss per share is reduced by 0.02 yuan.
3. Holding time: The holding time of the fund will also affect the profit and loss. The longer you hold it, the cheaper the redemption fee will be.
After determining these factors, you can use the following formula to calculate the actual profit and loss of the fund:
Actual profit and loss = (selling share × net selling value-transaction cost)-(buying share × net buying value+transaction cost)
Suppose you buy a fund at 1000 yuan, the net value at the time of purchase is 1 yuan/share, and the purchase share is 1000 share. At present, 900 copies have been sold, the net value at the time of sale is 0.9 yuan/copy, and the transaction cost and management fee are calculated in 20 yuan. According to the above formula, we can get:
Actual profit and loss = (900× 0.9-20)-(1000×1+20) = 810-1020 =-210 yuan.
It can be seen that the sales of these 900 funds are losing money, and the loss amount is 2 10 yuan.
In short, the actual profit and loss of the fund is affected by many factors, including the net value at the time of buying, the net value at the time of selling, the handling fee and management fee, and the holding time. All the costs need to be calculated carefully to determine the actual profit and loss. When investing in funds, we should carefully select fund products and rationally allocate them according to our own risk tolerance, so as to minimize the risk of loss.