In the wealth management market, it is often said that the higher the net value of the fund, the better. Is that really the case? Let's take a look at Bian Xiao.

Is the higher the net fund value, the better?

The net value of the fund is not as high as possible. The specific analysis is as follows:

1 The net value of the fund unit reflects the past performance of the fund, while the future performance does not depend on the net value of the cash fund, but on the performance of the market and the ability of the fund manager.

For example, if it happens to be a bull market and the fund manager can seize the opportunity, the unit net value of the fund may go up again.

What affects the fund's holding income is the rise and fall of the fund's net value That is, the amount of income gained by investors has nothing to do with the share of fund products, but mainly depends on the rise and fall of the net value of the fund during the holding period.

For example, the unit net value of fund product A and fund product B are different, namely 1 yuan and 2 yuan. Among them, fund product A gets the share of 1000, and fund product B gets the share of 500;

When the prices of both funds are 10%, the net value of fund product A is 1. 1 yuan, and the net value of fund product B is 2.2 yuan;

At the time of redemption, the redemption fund of fund product A is1.1*1000 =100 yuan, and the redemption fund of fund product B is 2.2 * 500 =11.

As can be seen from the above example, although the unit net value of fund product A and fund product B are different, the income of the two funds is the same, and the return on investment is the same. Therefore, when buying fund products, investors do not need to pay too much attention to the net value of the fund, as long as they think it is a good time to buy, they can buy.