If investors still hold some funds, the accumulated income needs to be deducted from the selling expenses of holding funds, and the real income in the hands of investors is after deduction.
Because many funds need a handling fee when they are redeemed, it depends on how long you have held them. If you redeem during the period, you have to subtract the redemption fee from the accumulated income, and this last part is your real income.
Extended data:
First, the difference between holding income and accumulated income.
1. Holding income refers to the accumulated income generated by the fund's current holding share, including the floating gains and losses caused by net value fluctuation and the historical cash dividend income corresponding to the holding share (the holding income amount is deducted from the subscription fee of the current holding share).
2. Cumulative income refers to the sum of the cumulative income of all funds (including redemption funds) (the cumulative income amount is deducted from the redemption fee of historical transactions).
3. Fund return rate:
Calculation formula:
Income = fund net value of the day × fund share ×( 1- redemption fee)-subscription amount+cash dividend.
Rate of return = income/subscription amount × 100%
4. Cumulative net value:
The accumulated net value can not accurately reflect the fund's income, because the fund can choose cash when paying dividends, or it can choose to reinvest the dividends automatically. If you choose cash, you can also choose to buy it manually in a few days or months. Cumulative net worth is a simple reduction, which can be used as an indicator if accurate calculation is not needed.
Two. Matters needing attention in purchasing Alipay fund
1, risk preference
Everyone is familiar with the risk preference of investment and financial management. Some financial platforms will also launch similar tests to see your risk tolerance. Accordingly, investors can be divided into conservative, steady, growth and radical types.
Although the factors of risk preference are different, there is no difference between good and bad. Both introverts and extroverts have advantages and disadvantages, which can also be transformed through deliberate changes. Therefore, investors should first understand their risk preferences before investing.
2. Asset allocation
Asset allocation corresponds to risk preference. If you are a steady investor, you have a moderate risk tolerance and will not be interested in high-risk wealth management products. So when allocating assets, you will consider investing most of it in stable products.
However, with the accumulation of financial knowledge and practical experience in financial management, the proportion of investment will gradually increase after gradually understanding the nature of various investment products and mastering the skills of high-risk financial products.
3. The types of funds included in Alipay
Alipay has a special wealth management department, among which money funds such as Yu 'ebao are low-risk products, which can increase the allocation ratio, but they should also be dispersed among multiple products.
At the same time, although the regular financial management in Alipay is not a fund, it is also a semi-fixed income financial management product with low risk. The probability of principal loss is extremely low, and the income fluctuates little, so it can be properly allocated.
Bond funds are relatively risky. In the short term, the principal may be lost, but in the long run, it conforms to the viewpoint of value investment, and partial stock funds are high-risk investment products. If you lack professional knowledge, ability and experience, you can try it with a small amount of money and invest more after you are proficient.