1. This method does not need to consider the number and duration of fixed investment, but simply adds the invested capital as the principal and calculates the simple rate of return with the existing (market value-principal) as the income. So it is called the simplest and most intuitive method.
2. Usually, the rate of return on fixed investment is calculated in this way. For example:
Xiaoming will make a fixed investment of 1 1,000 yuan per period. After 25 fixed investment periods, the total investment principal is 25,000 yuan, and the total assets at the end of the period are 33,902.23 yuan. Then, Xiaoming's fixed investment yield is calculated as follows:
Return on fixed investment = (market value-principal)/principal = (33902.23-25000)/25000 = 35.61%.
Second, refer to the annualized rate of return of the fixed investment time factor.
1. In the fixed investment, it is ultimately important to make a profit. The more reasonable take profit is the annualized rate of return based on the time factor of fixed investment. . Generally speaking, the annualization of 10%- 15% is a reference index. You can enter the calculation formula of annualized rate of return in EXCEL table: = power (1+ fixed investment rate of return, 1/ fixed investment years)-1.
2. The above method needs to record the fixed investment months and the corresponding fixed investment yield in excel. Of course, if you feel troublesome, you can also simplify the rough estimate. For example, if you make a fixed investment of 70% for five years, then dividing by 5 is 14%, and then dropping by about 2 points is basically your annualized rate of return.
Extended data
Minimum subscription amount of fund fixed investment
1, the same channel has different restrictions on the minimum amount of fixed investment.
2. If the minimum monthly subscription amount of fixed investment business of Postal Savings Bank is 100 yuan, and the minimum monthly subscription amount of fixed investment business of Industrial and Commercial Bank of China is 200 yuan, the difference of additional investment must be an integer multiple of 100 yuan. The minimum monthly subscription amount of China Merchants Bank is 300 yuan.
reference data
Baidu Encyclopedia-Fund Fixed Investment