How to calculate the return of fund investment in 223

Investment is generally risky, but the risk and return are relative. If there is risk, there will be the possibility of return. So is buying a fund an investment? How to calculate the income from fund investment? Xiaobian has prepared relevant content for everyone for your reference. I hope it will help everyone! You can collect what you like!

what are the types of funds?

1. According to different operation modes, it can be divided into open-end funds and closed-end funds. Open-end funds can be purchased or redeemed at any time during the opening period, and the liquidity of funds is good. However, the share and closure period of closed-end funds have been fixed at the beginning of the fund's establishment, and they can only be redeemed after the fund's closure period is lifted. The advantage is that frequent operations can be avoided.

2. According to different investment objects, it can be divided into money funds, bond funds, hybrid funds, stock funds and index funds. The term of financial products invested by the money fund is generally within one year, and its liquidity is strong. More than 8% of the assets of bond funds are invested in bonds, while hybrid funds can invest in bonds, stocks and money markets without strict restrictions and have high flexibility.

3. According to different fundraising methods, it can be divided into Public Offering of Fund and private equity funds. Public Offering of Fund can raise funds from the public, and the investment threshold is low, which is suitable for mass investors. Private equity funds raise funds from specific investors in a private way, and their investment threshold is high, usually with an initial investment of more than 1 million.

4. According to different investment concepts, it can be divided into active funds and passive funds. The active foundation adjusts the investment scope and strategy according to the situation, while the passive fund investment strategy is fixed. For example, the SSE 5 index fund is to copy the SSE 5 index to invest.

how to improve fund returns?

1. appropriately increase the proportion of equity funds. The return rate of stock funds is generally higher than other funds, especially when the stock market is good, we can appropriately increase the investment in stock funds to improve the overall return rate. If all the investments are bond funds, it is difficult to make a big breakthrough in the return rate of funds. Investors can try to invest about 25% of their positions in equity funds, so the risk will not be too high, and the overall rate of return can be improved.

2. Choose a fund with a low transaction rate. Different fund management, subscription and redemption rates are different, and investors can understand and compare them in the fund trading rules, which can reduce the investment cost and improve the return on investment.

3. adopt the fixed investment method of the fund. When the market uncertainty faced by investors increases, we can effectively spread the chips and share the investment cost through the fixed investment of the fund, thus reducing the loss risk and improving the fund income.

4. Insist on long-term investment. Investors should not blindly pursue the short-term investment income of the fund, but should have enough patience and confidence, take a long-term view and let time create value.

For beginners, it is better to buy funds. The main reasons are as follows:

1. Low threshold

The threshold for funds is relatively low. Most of the OTC funds can be bought by 1 yuan, and some of them may be 1 yuan. For monetary funds, 1 yuan can buy them. For stocks, the minimum threshold for investors to buy is 1 shares and buy 1 shares.

2. Low risk

The fund manager will invest the raised funds in different stocks and some other assets, such as bonds and money market instruments. Because the money is not concentrated on one stock or several stocks, even if there is a sharp decline in the sector, it may offset some or even all of the losses because other stocks have positive returns, and the overall losses are small or even profitable.

3. No need for higher professional knowledge

Novices lack investment experience and professional investment skills, and have irregular and irrational investment ideas in trading, while buying funds is to leave professional affairs to professionals, and fund managers have higher education and professional knowledge compared with novices.

4. It is difficult to invest

There are problems in stock selection or timing of admission. Obviously, it is a promising sector, and as a result, other stocks in the sector have gone up, but their own stocks have fallen, and some index funds have solved this problem well, because index funds invest in all stocks under the index according to certain rules. If investors are optimistic about this sector and buy the corresponding index funds, as long as the overall investment direction of investors is correct, they can largely avoid the investment losses caused by the wrong selection of individual stocks and reduce the investment difficulty.

At the same time, novices can refer to the following methods when investing in funds:

1. Diversification

Don't put eggs in one basket, buy more funds to diversify risks. The number should not be too large, and it is best to invest only three or four. Too many funds will increase the burden on investors, but it is not obvious. At the same time, funds cannot be in the same industry or have strong connections, otherwise they will start.

2. Choose a fund manager with good historical performance to invest

The historical performance of a fund manager reflects the investment level of the fund manager to a certain extent and affects the trend of the fund net value. Generally speaking, a fund manager with good historical performance has a better expected return on the fund he manages.

3. Buy funds by fixed investment

Investors can also buy funds by fixed investment. By constantly buying, they can increase their holdings, share the cost of holding positions, spread risks, and realize the smile curve effect when the funds rebound.

is buying a fund an investment?

buying a fund is an investment, and it is also risky. It is an investment behavior. When the fund market is good, you can make money, and when the fund market is poor, you will lose money to the principal, so you need to be careful when buying.

It should be noted that funds are divided into different types according to the direction of investment targets, which can generally be divided into money funds, bond funds, mixed funds, index funds, stock funds and so on. Among them, money funds are the least risky, mainly in the money market where they invest, and there are few losses, so the income is relatively stable.

While hybrid funds, index funds, stock funds and other investment directions will invest in stocks, so their risks are relatively large. When the market is bad, it is possible to seriously lose the principal, so you need to be cautious when buying.

how to calculate the income from fund investment?

Fund income = (current net value-net value at the time of purchase) Fund share-handling fee. For example, the net value at the time of purchase is 1.35, the current net value is 1.66, and 1, shares are held. Without handling fee, the income from holding the fund can be calculated as: (1.66-1.35) 1, = 31 yuan.

Because the net value of each fund's buying and selling is different, you can use the formula to draw inferences. Generally speaking, investors don't need to calculate the fund's income. Investors can know whether they are making money or losing money by checking the holding income and accumulated income in the fund.