It should be noted that investors can decide whether to buy the fund before 3 pm on the trading day. By looking at the estimated net value of the fund before 3 pm on the trading day, they can know the rise and fall of the fund. As long as the fund falls that day, they can buy it.
Buying a fund generally refers to an investment and financial management method that people with idle funds can choose, and use their temporarily unused money to buy a fund for investment, so as to achieve the purpose of maintaining and increasing value and winning income. In the process of fund sales and operation, some expenses will occur, which will be borne by fund investors and used to pay for the services provided by fund managers, fund custodians, sales agencies and registration agencies.
Investment in open-end funds mainly benefits from the following two aspects:
1. net increase: the increase in the net value of fund units due to the appreciation of stocks or bonds invested by open-end funds or the acquisition of dividends, bonuses, interest, etc. After the net value of fund shares rises, the difference in net value obtained by investors when they sell the number of fund shares is also the investment gross profit. The real investment income is the gross profit after deducting the subscription fee and redemption fee when buying a fund.
2. Dividend income: According to the national laws and regulations and the provisions of the fund contract, the Foundation distributes income regularly. Dividends received by investors are also an integral part of profits.
How to calculate the cost sharing?
The transaction price of closed-end funds is the known market price at the time of buying and selling, and its price is affected by the relationship between supply and demand; The subscription of open-end funds adopts the unknown price method, that is, the transaction price of the fund unit is the net asset value of the unit fund that is not known at the time of the behavior (but it can be calculated after the market closes on the same day and announced on the next trading day).
The calculation method of open-end fund unit quantity share subscription is as follows:
Subscription fee = subscription amount × subscription rate
Subscription share = (subscription amount-subscription fee) ÷T-day fund unit net value
If an investor invests 50,000 yuan to subscribe for an open-end fund, assuming the subscription rate is 2%, the net value of the fund share on that day is1.65,438+0.688 yuan, and its share is:
Subscription fee = 50,000× 2.0% =11,000 yuan.
Subscription share = (50,000-10,000) ÷1.1688 = 41923.34 copies.
How to calculate the redemption fee?
The transaction price of closed-end funds is the known market price at the time of trading; The redemption of open-end funds adopts the unknown price method, that is, the transaction price of the fund unit depends on the net asset value of the unit fund that has not been known at the time of redemption (but it can be calculated after the market closes on the same day and announced on the next trading day).
The calculation method of redemption fund unit amount is as follows:
Redemption fee = redemption share × net value of fund share on T day × redemption rate
Redemption amount = redemption share ×T-day fund unit net value-redemption fee
If an investor redeems 50,000 fund units, assuming the redemption rate is 0.5% and the net asset value of the fund units on that day is 65,438+0.65,438+0.688 yuan, the redemption amount obtained is:
Redemption fee = 50000×1.1688× 0.5% = 292.2 yuan.
Redemption amount = 50,000×1.1688-292.2 = 58, 147.80 yuan.