The Huaxia Cash Coin Fund is not a capital-guaranteed fund~~ Currency funds do not have a net value on the day. They only have "net income per 10,000 shares of the fund" and "7-day annualized rate of return". What you are talking about is the net value of the fund per 10,000 shares.

Income is the daily income for every 10,000 shares of the fund. The 7-day annualized rate of return is for reference only.

The face value of most money market funds will always remain 1 yuan, the income is calculated every day, and there is interest income every day. Investors enjoy compound interest, while bank deposits only receive simple interest.

Monthly dividends are carried forward into fund shares, and dividends are exempt from income tax.

For example, if you have 10,000 shares of this currency fund, the net income for every 10,000 shares of the fund today is 0.7188, that is, your income today is 0.7188 yuan. Tomorrow’s income should be added to today’s profit to get the principal: 10,000.72 yuan, and then calculate tomorrow’s income.

income.

Most fund companies generally settle this income once a month.

There are many indicators to measure the rate of return of money market funds. Generally speaking, there are net income per 10,000 funds, annualized rate of return for 7 days, annualized rate of return for the past 30 days, annualized rate of return for this year, and annualized income since establishment.

rate and so on.

Among them, the net income per 10,000 funds and the 7-day annualized rate of return are the most important evaluation indicators, and they are also indicators that are required to be published every working day by law.

Net income per 10,000 shares of a fund refers to data that averages the daily operating income of a monetary fund to each share, and then measures and compares it based on 10,000 shares.

The 7-day annualized rate of return refers to the annual rate of return converted from the average income per 10,000 fund shares of a monetary fund in the last 7 calendar days.

For most investors, the "7-day annualized rate of return" is the most intuitive indicator that reflects the performance of a fund.

But this is a short-term indicator, which only represents the fund's profit level in the past seven days and does not indicate future income levels.

When examining this indicator, attention to the volatility of returns cannot be ignored, as it reflects the stability of the fund's future return expectations.

Generally speaking, if the indicator fluctuates greatly, the investor's actual rate of return may be significantly different from the rate of return at the time of purchase.

As a long-term investor, it is recommended to pay attention to the cumulative annualized return rate during the period (30 days or this year, etc.).

In this way, we can continue to pay attention to the fund's income and stability over a certain time span.

In fact, the level of income is only one factor in evaluating the quality of money market funds. What money market funds pursue is "the coordination and unity of safety, liquidity, and profitability."

Therefore, the liquidity level of the assets is also an important factor for money market funds.

The average remaining maturity of an investment portfolio is the main indicator of liquidity levels.

Generally speaking, the longer the remaining maturity of the portfolio, the higher the rate of return it provides.

However, this relationship is not absolute. Therefore, when selecting money market funds, we should choose high-efficiency varieties with high income levels but as low an average remaining period as possible.