Due to market fluctuations, the net value of Industrial Bank Smart No. 20 Lu Lu Tong a will decrease.

Personal advice: Any investment and financial management has certain risks. If you want to invest, you must learn to understand the risks in advance. For bank financial products, they are not guaranteed, and the risks can only be said to be lower.

, if you have relevant needs, you can also go directly to the bank for business consultation with your documents.

For the net value of a bank's fund, if the net value drops, it is very likely that the declining part has become the dividend part. The amount of funds will not increase when the fund pays dividends. You must understand the relevant knowledge. Fund dividends are generally

There will also be a delay. Wait for the bank deposit to be completed before the shares will be released to the account on the dividend day. You can check again after a few days.

If the fund suffers a loss during the current period, no income will be distributed.

Some funds have also made advance agreements on the distribution of fund income in the prospectus, such as the minimum and maximum number of distributions in a year, or dividends when the distributable income reaches a certain standard, etc.

Extended information: When the fund manager distributes dividends, it needs to set a certain day on which registered holders can participate in dividend distribution. This day is the equity registration date.

The ex-dividend date is a predetermined date when the total amount of dividends distributed is subtracted from the fund's assets.

On the ex-dividend date, the net value of the fund shares will be ex-dividend based on the dividend ratio.

Generally speaking, fund unit holders registered on the equity registration date enjoy the fund’s current dividend rights.

If the equity registration date and the ex-dividend date are on the same day, the dividend amount will be deducted from the net value on that day.

Fund dividends do not add value out of thin air.

The net value of fund shares purchased by investors before dividends is higher, but they can enjoy the rights of dividends, while the net value of fund shares purchased by investors after dividends is distributed is lower.

Funds are a medium- and long-term investment and financial management method. As long as you are optimistic about the future growth trend of a certain fund, you can consider buying it at the right time.