Suppose 200 1,1/when Huaan Innovation, the first open-end fund, was first opened, citizens insisted on investing in 500 yuan every month, so what will be the income now? Assuming that the fixed investment time is 15 days per month and cash dividends are adopted, the start time is 2001115 days and the end time is June 16 days in 2008, then it can be calculated that many investors have invested in the past six years.
If dividends are converted into investment, the income will be higher. After more than six years, the cost of 40,000 yuan will become 6.5438+0.06 million yuan, and the total return on investment will be 654.38+0.65%.
Fixed investment for 3 years: the income is also good.
Experienced bull market and bear market: 1.8 million principal changed to 3 1.8 million, and the income exceeded 70%.
First of all, look at the performance of the market in the last three years. In July 2005, the market 10 14 points, and then all the way up. It peaked at 6 124 in June 2007, and then it fell all the way. As of June 2008, it fell to 2008.
Let's take Huaan Innovation as an example. It is assumed that from July 2005 15, the fixed investment will be started, and from June 2008 16, the fixed investment will be made in 500 yuan every month. Now the total investment is 1.8 million yuan. If we persist until now, the dividend will be 523 yuan, and the total fund value will be 3 1 10,000 yuan. Assuming that dividends are converted into investment, the yield is higher.
Fixed investment 1 year: profit and loss depends on luck.
Bull market: 6000 principal changes to 7800 to earn 30%; Bear market: 6000 principal changed to 4659 loss of 22%
brisk market
Assuming that the basic people only make a fixed investment of 1 year, what will be the investment income? The shorter the term, the greater the volatility of investment.
Suppose that citizens began to vote on June 5438+1October 15, 2007, and February 17, 2007 happened to be a big bull market. Suppose that within this year, citizens will invest in 500 yuan Huaan Innovation Fund every month, with a total investment cost of 6,000 yuan. After one year, the total value of the fund is 7,856.94 yuan, and the total rate of return is 30.95%.
Why is the profit in the big bull market only 30.95%? In fact, the reason is very simple, because the stock market is rising every month. First, the point has gone up. The higher the second point, the less fund shares you buy.
bear market
Most of the people who participated in the fixed investment in the last year were losing money.
Suppose the fixed investment starts from July last year 15 and ends on June this year 16, and 500 yuan also invests in Huaan Innovation every month. After one year, the total principal is ***6000 yuan, and the total fund value is 4659 yuan. If investors only invest in this year, they will not only lose money, but also lose 134 1 yuan.
■ Contrast
The fixed investment income far exceeds the deposit.
As can be seen from the above four accounts, the fixed investment of the fund must be adhered to, and the longer the term, the smaller the fluctuation, and the more it can "iron out" the fluctuation of the stock market. Suppose that in more than six years, citizens also deposit 500 yuan's money in the bank every month, so the income is only about 3,500 yuan, and the fixed investment can make the principal earn more than 60,000 yuan, and the income from the long-term fixed investment of the fund is much higher than the bank deposit.