No
As an investor, the fund’s income must be deducted by some fees. Including the handling fee at the time of purchase, the management fee during the period, and the fees required for redemption. After deducting these fees, we really earn the income.
1. Purchase fee
Let’s take the daily growth rate of the ABC New Energy Theme Fund on November 2 as an example:
If I am on October 30 Before three o'clock in the afternoon on the same day, I spent 1,000 yuan to buy an agricultural new energy themed fund. It rose by 2.26% on November 2, so my income was not 1,000 × 2.26% = 22.6. This answer is wrong. Because there is a purchase fee when buying a fund, not all of the 1,000 yuan is used to buy the fund. Therefore, the correct calculation method is:
Handling fee: 1000×0.15%=1.5 yuan
Subscription share: (1000-1.5)÷2.1495=464.53 (share)
Income on November 2: 464.53×2.198=1021 (yuan)
1021-1000-1.5=19.5 (yuan)
This is the account income on that day. If To redeem, the redemption fee will be deducted from the proceeds.
2. Management fees
The fund’s management fees and custody fees have been deducted from the fund’s net value announced on each trading day, so we do not need to calculate management fees during the transaction. fee.
3. Redemption fee
The fee schedule for redeeming the fund is different depending on the number of days you hold the fund. We can refer to the following table:
4. Subscription and redemption fee calculation formula:
Let’s take the ABC New Energy Theme Fund as an example:
Suppose I spend 10,000 yuan before 3:00 pm on October 19 If you buy the ABC New Energy Theme Fund in yuan, the net unit value of the day is 2.1048, and the subscription fee is 0.15%; if you redeem the ABC New Energy Theme Fund before 3 pm on November 2, the net unit value of the day is 2.198, and the redemption fee is The rate is 0.75%.
Subscription fee=10000.00×0.15%=15 (yuan)
Subscription share=(10000.00-15)÷2.1048=4743.919 (share)
Redemption Total redemption amount = 4743.919 × 2.198 = 10427.13 (yuan)
Redemption handling fee = 10427.13×0.75% = 78.2 (yuan)
Net redemption amount = 10427.13-78.2 = 10348.93 ( Yuan)
Net income = 10348.93-10000.00 = 348.93 (yuan)
So, in the 11 days of my investment, I made 348.93 yuan in one ***.