When investors buy money funds and other wealth management products, they can directly calculate the actual expected income of the fund on that day according to the expected income of 10000. However, net-worth wealth management products do not provide the expected income of 10 thousand, but update the unit net value every day. How to calculate the unit net value converted into 10 thousand expected income?

1. How to calculate the expected return of converting unit net value into ten thousand copies?

Expected return of the fund on the current day = (net value of the current trading day-net value of the previous trading day) * holding share.

If an investor holds 10000 copies of a fund product, and the unit net value on T day is 1.0256, and the net value on T-65438 +0.0255, then the expected return on T day of the fund is = (1.0256-1.0255).

Second, the difference between the net value of ten thousand units and the expected income.

1,10,000 Expected income

Ten thousand expected returns are usually used for money fund products and some bank wealth management products. Generally, the unit net value of such products is fixed at 1, that is, whenever investors buy such products, the net value of the products is calculated at 1.

For example, if an investor buys a money fund of 6.5438+0 million yuan, then the fund share he holds will always be 6.5438+0 million. Therefore, the expected income per 10,000 copies of such products is almost equal to the expected income per 10,000 yuan.

2. Net unit value

The unit net value is suitable for net-worth wealth management products. The initial net value of net-worth wealth management products is generally 1, but the net value of products will be constantly updated and up and down after listing, so the expected income per 10,000 copies in net-worth wealth management products is usually not equal to the expected income per 10,000 yuan.

Take the previous calculation example as an example. Although the expected income of T-day 1 10,000 funds is 1 yuan, the investor's net unit value when purchasing the fund is 1.0250, and bears the subscription fee of 0. 1%, so the subscription cost of the 1 10,000 funds is close to 1.

To sum up, the reference value of calculating the expected income of 10 thousand in net worth products is not great. The above content about how to calculate the expected income of converting the unit net value into ten thousand shares, I hope it will be helpful to everyone. Warm reminder, financial management is risky and investment needs to be cautious.