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How to calculate the interest on the net product value? Attached example!
After the implementation of the new asset management regulations, many net worth wealth management products have appeared in banks, which show the expected income of products through their net worth. In fact, not only bank wealth management, but also funds are net-worth products, and the net value of products will be updated every trading day. So how to calculate the interest on the net value of the product?

1. How to calculate the interest on the net product value?

Take the fund as an example, the expected return of the fund = the net value of the fund on that day * fund share *( 1- redemption fee)-subscription amount+cash dividend.

If the investor chooses to pay dividends in cash, then the fund share is the fund share that the investor bought when subscribing to the fund, and the fund share = [subscription amount-(subscription amount * subscription rate) ]/T-day net fund share value.

Suppose the subscription amount of the investor is 654.38+10,000 yuan, that is to say, the investor has purchased a fund of 654.38+10,000 yuan, and the fund share is 90,900. After the investor holds it for 6 months, the redemption fee is 0 yuan, and there is no cash dividend during the period. The net value of the fund on the redemption date is the expected expected return of the investor = the net value of the fund on that day * the fund share *(654.38+0- redemption fee.

Second, the net worth calculation matters needing attention

1, distinguish between floating loss and real loss

The net value of products is constantly updated. Open-end funds, for example, update the net value of products every day, during which the net value may rise or fall.

The expected income of net worth products is calculated by the net value of the fund on the redemption trading day or the net value of the products on the maturity date. Therefore, as long as the fund does not submit a redemption application, even if the fund falls or rises in the middle, it is still a loss or profit on the books. This is also one of the reasons why the fund's fixed investment has more advantages than one-time purchase.

2. Update time of fund net value

The net value of fund units will be updated after the close of trading day, and the trading time is 15: 00. Therefore, when investors submit redemption applications during trading hours, what they see is not the net value of the fund on that day, but the net value of the fund on the previous trading day.

The above content about how to calculate the net interest of products, I hope to help you. Warm reminder, financial management is risky and investment needs to be cautious.