The difference between holding income and accumulated income is that holding income represents the income of the current holding fund. Cumulative income includes not only the income generated by the current fund, but also the income from selling the fund before. When investors sell all funds, the holding income will become 0 yuan, but the accumulated income will not be cleared.

1 has different definitions.

The holding income is only the income of the funds currently held, and the accumulated income is the accumulated income or loss brought by the trading of all funds in Alipay, specifically referring to the rate of return in a specific period of time.

Two different calculation methods

Fund holding income refers to the accumulated income during the fund holding period, and the accumulated return reflects the return rate of fund investment in the statistical interval.

1. The accumulated income of the fund is:

The sum of all the income generated by investors since they invested in the fund, including redemption of the fund and dividends.

Simply put, holding income refers to the income of a specific fund still held, and accumulated income refers to the income of all products bought, including products that have been redeemed. It should be noted that after all the shares of a fund are redeemed, the holding income of the fund will be reset to zero.

The cumulative income of the fund is the sum of all the income generated by investors since they invested in the fund, including redemption of the fund and dividends. Equivalent to total income.

2. The fund holding income is:

Refers to the accumulation of income during the holding period of the fund, holding income = the latest market value of the fund-holding cost.

Among them, the latest market value of the fund refers to the confirmed share of buying the fund, and the assets calculated by the newly disclosed net value of the fund do not include the unconfirmed subscription application amount; Holding cost refers to the cost of holding a fund. The initial cost is the confirmed amount of the first purchase, and subsequent positions will be adjusted according to the confirmed amount of the transaction.

To sum up briefly, when you hold a fund, you take the holding income as the reference index of the fund's income. When you redeem this fund, the holding income of this fund will be reset to 0, and the accumulated income is equivalent to the income you have gained since you started to purchase this fund.