Fund return rate refers to the return rate obtained by fund investors through investment in a certain period of time, and it is one of the important indicators to evaluate fund investment performance. How to calculate the fund rate of return? From many angles, we can draw the following conclusions.

First, calculate the rate of return according to the fund type.

Different types of funds have different investment business scope, investment targets, investment strategies and risk-return characteristics. Therefore, different types of funds can adopt different calculation methods.

1. Equity funds: Equity funds mainly invest in the stock market, and their income can be calculated as follows:

Yield = (net at the end of the period-net at the beginning+dividend amount)/net at the beginning.

Among them, the net value is the market net value of the fund unit share on that day, and the dividend amount is the cash dividend distributed during the holding period.

2. Bond funds: Bond funds mainly invest in the bond market, and their yields can be calculated as follows:

Yield = (net at the end of the period-net at the beginning+dividend amount)/net at the beginning.

3. Money market funds: Money market funds mainly invest in short-term money markets, and their yields can be calculated as follows:

Rate of return = (net at the end of the period-net at the beginning+income)/net at the beginning.

Among them, the income amount is the income obtained during the holding period, which is usually the risk-free income calculated daily.

Second, calculate the rate of return according to the fund share.

You can also calculate the fund's rate of return according to the holding shares. If an investor holds 65,438+00,000 shares of a fund in one year, and the annual return rate of the fund is 65,438+00%, the actual annual return of the investor is:

Annual income =10000×10 %× (1-fund management fee rate)

Among them, the fund management fee rate is the management fee charged by the fund. Generally speaking, the lower the fund management fee rate, the higher the actual income of investors.

Third, calculate the rate of return according to the investment period.

The same fund may have different returns in different time periods. Therefore, investors can also calculate the fund return rate according to their own investment period.

For example, an investor's rate of return in the first year is 10%, the rate of return in the second year is 12%, and the rate of return in the third year is 8%, so the actual rate of return in three years is:

( 1+ 10%)×( 1+ 12%)×( 1+8%)- 1=3 1.76%

Fourthly, the risk control of fund return rate.

Fund returns are usually accompanied by risks. Different types of funds, different fund managers and different market environments will bring different risks. Therefore, risk control should also be considered when calculating the return rate of funds.

Generally speaking, the higher the return rate of fund investment, the greater the risk, and vice versa. Investors need to choose the right fund according to their own risk tolerance in order to maximize their income. In addition, risks can be reduced by diversifying investment, controlling positions and stopping losses, so as to ensure the stability of investment income.

To sum up, the calculation of fund return rate can be analyzed from the perspectives of fund type, fund share and investment period. When choosing a fund, investors need to consider their own risk tolerance and take corresponding risk control measures to ensure the stability and long-term sustainability of investment income.