1. If you look up the information of dividend funds, you will find that besides the dividend amount, there are different dates about dividends: date of record, ex-dividend date and dividend payment date. Why there will be a "huge loss" when paying dividends is also caused by the different dates mentioned above.
2. After the fund pays dividends, it is normal for the net value to decrease. Because fund dividends are divided fund assets, the net value of the fund will be lowered accordingly after dividends. The shares held by investors will not change. If dividends are distributed, the total assets of the fund will not increase. After the fund pays dividends, the net value will be lowered accordingly, but the number of shares held by investors will not change. Fund dividend investors can choose cash dividend and dividend reinvestment, and dividend reinvestment does not charge subscription fees.
Fund date:
1, the date of registration of rights and interests: that is, the date of registration of rights and interests literally. When distributing dividends, fund managers need to set a date when registered holders can participate in dividends, and this date is date of record.
2. Ex-dividend date: that is, on a predetermined day, that is, the date when dividends are deducted, the total amount of dividends distributed is deducted from the fund assets.
3. Cash dividend payment date: the date of dividend payment to investors. For investors who choose the cash dividend method, the dividend payment will be withdrawn from the fund custody account on the dividend payment date. As for the time to get to the bank card, it may be a day or two late.
Reasons why it is cheap to buy funds after dividends:
1. Because the subscription before dividends can get dividends and be converted into fund shares, the subscription after dividends can buy more fund shares with the same subscription amount because the net value of the fund decreases. If market fluctuations are not considered, there is no difference before and after dividends. Even if there is a difference in buying before and after dividends, it is also caused by market fluctuations. People who hold this view do not fully understand the concept of fund unit net value.
2. The fund price we usually see, that is, the unit net value of the fund, is the basis for calculating the subscription share and redemption amount of the fund. The net value of the fund unit can neither determine the future investment income of the fund nor reflect the usual profitability of the fund. If you want to know the past profitability of the fund, you need to judge it through the accumulated net value of the fund.