There are many kinds of funds. If it is a money fund, the daily income of 1 10,000 yuan is probably 0.6 yuan. The expected rate of return of bond funds is higher than that of money funds. Buy 10 thousand yuan a year and earn about 600 yuan. Partial stock funds have the highest risk and expected rate of return because they invest in stocks. 1 10,000 yuan partial stock fund, the annual income is about 800- 1200.
As soon as I heard this question, I knew that this person might not know what a fund is at all.
I even thought that, like bank financing, I had a fixed income every month.
Compared with fixed-interest deposits and bonds, funds have the possibility of obtaining higher expected returns. For high-risk stocks, funds are relatively stable, and the number and types of funds are more, so there are more investors participating in fund trading at present. How much can a ten thousand fund earn a month? Next, learn from Bian Xiao.
I. Calculation formula of fund income:
Calculation method of subscription fund income:
Income share calculation is divided into external deduction method and internal deduction method:
Internal deduction method: share = investment amount x( 1- subscription rate)+net value on the subscription day+interest;
Income = net unit value on redemption date x share x( 1- redemption rate)+dividend-investment amount.
External deduction method: share = investment amount x( 1+ subscription rate)+net value on the day of subscription+interest;
Income = net unit value on redemption date x share x( 1- redemption rate)+dividend-investment amount.
External deduction method: share = investment amount x( 1+ subscription rate)+net value on the day of subscription+interest;
Income = net unit value on redemption date x share x( 1- redemption rate)+dividend-investment amount.
At present, most fund companies use the external deduction method, because the external deduction method will have a little more share of the same purchase amount, which is more beneficial to the fund holders. How much can a ten thousand fund earn a month?
This method can be used to calculate your daily profit. After purchasing the fund, if you feel that the daily calculation is troublesome, you can use the fund account book in Caidao.com to manage it, and you can automatically calculate the daily income and yield.
Second, how much can a fund of 10,000 yuan earn in a month?
According to the different investment targets, funds are generally divided into money funds, bond funds, index funds, stock funds, mixed funds and other categories.
The expected return of fund investment is directly related to the investment target, so under the same investment principal and term, the expected return of different types of funds is quite different. For example, the expected return of bond investment is generally less than that of stock investment, and the expected return of natural bond funds is far less than that of stock funds.
1, Monetary Fund
Monetary funds generally invest in fixed-income products such as government bonds, local government bonds and bank deposits within-years, and fund subscription and redemption are free of handling fees. Therefore, the money fund is very prominent in terms of security and liquidity, and the expected return will naturally not be very high.
According to the money fund products sold by an Internet financial platform, the expected income of 1 10,000 money funds on February 25th is mostly between 0.6 and 0.8. That is to say, the expected income of 1 10,000 money funds in one day is about 0.6 yuan -0.8 yuan, and the expected income in one month is about 18 yuan -24 yuan.
2. Bond funds
Bond funds can be divided into many types according to the different investment ratios of bonds and stocks. Generally, the average annual expected return of pure debt funds is around 5%, which means that the expected expected return of 10,000 pure debt funds in one month is around 40 yuan.
3. Equity funds
Most of the assets of equity funds are invested in stocks, so the expected return of funds fluctuates greatly. The average expected return of equity funds in 2065438+2009 is 39.69%. According to this calculation, the expected expected return of 10,000 stock funds in one month is around 300 yuan.
However, it should be noted that equity funds such as equity funds and hybrid funds have higher risks, so the probability of principal loss is also greater, and investment may not always be profitable.
How much can a ten thousand fund earn a month? Warm reminder, financial management is risky and investment needs to be cautious.