The net value of the money fund remains unchanged at 1 yuan, and the change of its income is reflected by the change of the fund share. Investors can get their own funds back by redeeming the fund share. The only way for the money fund to pay dividends is to "transfer dividends to investment", so the fund company will transfer the accumulated income to the money fund share every month and pay it directly to the investor's fund account. The redemption rate of the money fund is 0%, and there is no handling fee.

2. The shares of other types of funds remain unchanged.

Not all funds are suitable for long-term holding. Different types of funds have different investment priorities and risk characteristics, and will have different performances under different market conditions. Under normal circumstances, high-risk and high-yield funds are not suitable for long-term holding. For example, in the bull market starting from 20 14, stocks rose sharply, and the average net value of stock funds mainly investing in the stock market doubled continuously. If the profit rate of 100% is taken as an example, investors will invest 1000 yuan to 2065438+ at the beginning of the bull market that year. However, with the sharp decline of the stock market, investors will lose 1000 yuan as long as they lose 25% because of the large base, which is undoubtedly equal to the principal invested at the beginning. Therefore, such funds are not suitable for long-term holding.

Compared with such venture funds, low-risk and low-yield funds are suitable for long-term holding. In addition, fund investors should pay attention to the factors that will affect the fund's profitability, such as the change of fund team and the evolution of investment style, and adjust the fund's investment portfolio in time according to these factors to obtain the maximum income.