Alipay is not only a payment tool, but also a common financial management tool for many investors. Many people's understanding of Alipay's financial management stems from money funds such as Yu 'ebao, and funds also account for a large part of all kinds of products sold by Alipay's financial management board. So how much can Alipay earn by buying a fund of 1000 yuan?

1, Monetary Fund

Money fund is an entry-level product for many fund investors. The main advantages of money fund are low investment threshold, stable expected income, strong flexibility and simple calculation method of expected income of money fund.

The expected return of the fund is related to the net value of the fund unit, but the net value of the monetary fund unit is fixed at 1 yuan, and the expected return of its 10000 copies is the actual expected return obtained by investing 10000 yuan. Take Yu 'ebao as an example. The expected income of 1 10,000 copies announced on October 23rd, 65438 is 0.6 122, so the expected income of Alipay purchasing 1000 Yuan Yu 'ebao in one day is about 0.06 122 yuan.

You can also calculate the expected return according to the 7-day annualized rate of return of the money fund. For example, the 7-day annualized interest rate is 2.27%, so according to the dividend reinvestment method, Alipay buys a fund 1 1,000 yuan, and the expected return for one month is about 1.8 yuan.

2. Non-monetary funds

The calculation of expected returns of non-monetary funds is more complicated than that of monetary funds. The unit net value of non-monetary funds changes every day, and generally it is necessary to pay extra fees such as subscription fee and redemption fee. Actual available funds = redemption share * fund unit net value-redemption fee.

For example, if an investor buys a fund of 1000 yuan, the net value of the fund he buys is 1.2 and the subscription rate is 0. 1%, then the fund share held by the investor is [1000/(1+0./kloc).

If the investor redeems when the net value of the fund is 1.3 and the redemption rate is 0.5%, then the redeemable amount is about 1087.69 yuan, that is, the expected return of the bid-ask spread of the fund is 87.69 yuan, and the fund will also have a certain expected dividend return.

The above information about how much money Alipay can earn by buying a fund of 1000 yuan, I hope it will help everyone. Warm reminder, financial management is risky and investment needs to be cautious.