4 yuan, but some funds have redemption fees, generally at 0.5%. That is to say, although you have earned 4 yuan now, if you choose to redeem it now, you will still lose 46 yuan. Therefore, when looking at the income, we should consider the comprehensive cost. Fund costs generally include subscription/subscription fees, management fees, custody fees, redemption fees, etc. Then compare it with the bank's time deposit interest rate for the same period.