As a way to gain profits, investment is favored by different people, among which Xiaobai is indispensable. Only by understanding the calculation of the expected annualized expected return of the product can we really know what the expected annualized expected return is during the investment period. How does the capital preservation fund calculate the income? What is the calculation formula?

Can the capital preservation fund be bought and sold at any time?

How does the capital preservation fund calculate profits?

(1) redemption fee = net asset value of fund unit on redemption date × redemption share × redemption rate;

② Redemption amount = net asset value of fund unit on redemption date × redemption share _ redemption fee.

Note: The redemption rate of capital preservation fund is high, which decreases with the increase of redemption amount. Generally speaking, the redemption rate is 2.0% when the redemption amount is below 6.5438+million, and 654.38+0.0% when the redemption amount is above 6.5438+million (inclusive). Regardless of the redemption rate, 0.5% is the registration fee, and the rest belongs to the fund assets. After the expiration of the capital preservation period, the redemption rate of the Fund is zero.

Misunderstanding of capital preservation fund:

Myth 1: Going out early and returning late can also protect the capital.

Specifically, first of all, capital preservation funds are generally required to be held until maturity. If an investor redeems the fund in urgent need of funds before the expiration of the capital preservation period, he can only redeem the fund shares he holds according to the current net value, and if there is any loss, he must bear the loss himself.

In addition, most capital preservation funds can only be guaranteed by subscription during the collection period, and the subscription of capital preservation funds after the establishment of the fund can not enjoy the capital preservation clause of the fund even if it is held until maturity.

Myth 2: The principal can be preserved at 100%.

Capital preservation funds have preconditions for capital preservation, and the "capital" they guarantee actually has doorways. Not all capital preservation funds can guarantee 100% investment.

The capital preservation amount of a capital preservation fund is the amount that investors can get when they hold it at maturity. From the scope of capital preservation, capital preservation funds can be roughly divided into three types: "completely guaranteed without interest", "completely guaranteed with interest" and "only partial principal and fixed interest income".

In other words, in order to improve the fund's ability to share the expected annualized expected return of the securities market, the capital preservation fund can also guarantee only a part, such as 95% of the principal. In this case, the fund held by the basic people may only get back a certain proportion, such as 95% of the principal, but not all.

Myth 3: Capital preservation equals zero risk.

If inflation is not considered, the capital preservation fund is basically risk-free. However, in real investment, although the capital preservation fund can ensure that the basic people can get at least the principal or net amount after the holding expires, the basic people can't forget the existence of the expected annualized interest rate and cpi (Consumer Price Index).