Suppose: You buy a fund, and after you confirm the share, you earn 400 yuan, so you hold 400 yuan, and today you earn 400 yuan, so you hold 800.
If you sell the fund today, the holding income will become zero. When it is your turn to buy the fund again, the fund will recalculate the holding income according to the new income.
Summary: The calculation formula of fund holding income is: holding income = market value of positions-holding cost. Among them, the market value of positions = net value × holding share, and holding cost = holding share × holding unit price.
Funds are the general name of institutional investors, including trust and investment funds, unit trust funds, provident funds, insurance funds, retirement funds and funds of various foundations.
How is the fund rate of return specifically calculated?
The calculation method of the market value of the fund is to use the total share of the fund * the net value of the fund, and consider whether there has been any fund dividend during the holding period, and then compare it with the principal. Namely: fund income = total share * latest net value+cash dividend-total principal.
Suppose that the initial price P0 of the investor 1.2 1 yuan when he bought Xinghua on June 4, 1999, the current price P is 1.40 yuan, the dividend amount is 0.022 yuan, and the yield R is17.2%; 1On July 5th, 999, the initial price P0 was 1.34 yuan, so the half-year yield was 4.47% and the annual yield was 8.9%. .
19991October 8th, 65438 was 1.33 yuan (at that time, it was also the average price of 1999 in the second half of the year), so its three-month holding income was 5.26%, equivalent to 2 1% per annum. Of course, this conversion is only to compare with the interest rate of bank savings deposits in the same period. This method is not scientific.
The economic significance of this index is clear, intuitive and simple to calculate, which reflects the advantages and disadvantages of investment effect to a certain extent and can be applied to various investment scales. How to determine the existence of certain uncertainties and human factors;
It can't correctly reflect the influence of construction period, different investment methods and recovery amount on the project, and the calculation caliber of numerator and denominator is not comparable, so it can't directly use the net cash flow information.
Only investment projects with investment return rate index greater than or equal to risk-free investment return rate are financially feasible. Therefore, it is not reliable to take the investment yield index as the main decision-making basis.
Precautions for purchasing funds:
1. Arrange the proportion of investment products according to the risk tolerance of demand and investment purpose.
2. Choose a fund with good performance managed by a fund manager with strong investment management ability.
3. Funds that can be invested for a long time should be invested by the fund for a long time without band operation. Don't care about the rise and fall of the fund's net value every day, at most once a month or a quarter.