Entering the investment market is to earn income. As for what products to invest in, users need to judge directly. Stocks, funds and futures can all be invested, and users can choose suitable products according to their own stress resistance. Among many products, funds are more suitable for novice investment. Here's why you should remember the calculation formula of the fund. I hope you like it.
Why should we remember the calculation formula of the fund?
Remembering the calculation formula of the fund can help investors better understand and analyze the operation of the fund, so as to make more wise investment decisions. The following are some commonly used formulas for calculating funds:
Net value calculation formula: the net value of a fund is the net assets obtained by subtracting the fund liabilities from the fund assets held by investors and then dividing by the total share of the fund. The net value calculation formula is: fund net value = (net asset value-liabilities)/total share.
Return on investment: Return on investment is an indicator to measure the return on investment of funds and can be used to compare the performance of different funds. The calculation formula of return on investment is: (current net value-historical net value)/historical net value.
Annualized rate of return: Annualized rate of return calculates the average annual rate of return of the fund within one year, which is more valuable to investors. The calculation formula of annualized rate of return is [( 1+ rate of return) (1/ year)-1]x 100.
Sharpe ratio: Sharpe ratio measures the excess return of unit risk undertaken by fund units, and can be used to evaluate the risk-adjusted performance of funds. The calculation formula of Sharp ratio is: (annualized rate of return on capital-risk-free rate of return)/annualized volatility of capital.
What are the operating skills of the fund?
Choose the right fund: fund investors should choose the right fund type and strategy according to their own risk tolerance, investment objectives and investment period.
Diversification: By investing in funds of different types, industries or regions, you can diversify your portfolio and reduce risks.
Regular fixed investment: adopt regular fixed investment strategy to disperse the influence of market fluctuation on investment, average investment cost, and obtain good investment return for a long time.
Carefully study fund managers and fund companies: understand the background, experience and past performance of fund managers, evaluate the credibility and management ability of fund companies, and choose powerful fund managers and fund companies.
What is the calculation formula of fund income?
The calculation formula of fund income can be different according to different types of funds. The following are the income calculation formulas of several common fund types:
Calculation of stock fund income:
Income = (net fund share at the time of selling-net fund share at the time of buying) x holding share.
Calculation of bond fund income:
Income = (net fund share at the time of selling-net fund share at the time of buying) x holding share.
Calculation of mixed fund income:
Income = (net fund share at the time of selling-net fund share at the time of buying) x holding share.
Calculation of money market fund income;
Earnings = (Earnings per 10,000 shares when selling-Earnings per 10,000 shares when buying) x holdings/10000.
How to alleviate the pressure of buying funds?
Set rational investment goals: make clear your investment goals, make reasonable investment plans, and avoid blindly pursuing high returns, such as considering long-term investment and diversifying investment risks to reduce pressure.
Regular investment strategy: you can invest in the fund regularly without investing a lot of money at one time, share the investment pressure, and use the advantages of regular investment to realize long-term capital appreciation.
In-depth understanding of fund products: Before buying a fund, in-depth understanding of the fund's investment strategy, risk characteristics and historical performance, so as to clarify their investment preferences and risk tolerance.
Diversify investment risks: diversify investment funds into different types of funds or multiple fund products to reduce the risks brought by a single fund and improve the stability of the overall portfolio.
Long-term holding investment: holding funds for a long time can smooth the impact of market fluctuations and realize potential long-term returns through the accumulation of time.
Consult a professional: seek advice and guidance from a professional or financial advisor, learn more about the knowledge and experience of fund investment, and make more informed investment decisions.
When do you start to calculate the income after buying a fund?
Realize the fund T 1 transaction. Therefore, the fund is subscribed before the working day 15, and the income is calculated on the second working day. If you buy a fund after 5 o'clock, you will get a profit on the third working day. However, it should be noted that the confirmation of QDII fund T2 may be delayed by one day. There are many types of funds, and the income time of different types of funds is different.
In case of purchasing the Fund on holidays, the Fund shall be purchased before the first working day after holidays 15:00, and the income shall be calculated from the second working day after holidays. This means that if you confirm your share on Friday, you have to wait until Monday to see the benefits. Fund income is affected by the fluctuation of fund net value. Generally, it can only be updated after the liquidation of the fund's net worth stock.
In the whole investment process, it is important to choose a good fund, hold it for a long time and disperse short-term fluctuations, so that the probability of making money will be high. Choosing a fund is the same as choosing a stock. What matters is whether the investors buy a good fund, as well as the buying time, investment period and operation method.
In the fund market, an excellent fund is a sustained and stable performance. Investors can judge the trend of the fund's net value on the day according to the trend of the target or the valuation trend. After the fund is selected, it is necessary to set a reasonable stop loss point and take profit point.